Tipton County property record for 45 Gaines Rd, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,517 sqft · built 1960 |
| Lot Size | 0.439 acres (19,166 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $22,000 (Nov 2009) |
| Tax Bill | $302 (2025) |
| Deeds & Mortgages | Aug 2022 Transfer Jul 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084007 01800 |
| Primary APN | 084007 01800 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,517 sqft Living Area |
| 1st Floor Area | 1,517 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,166 sqft (0.439 acres) |
| Lot Dimensions | 80 ft deep x 240 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Utility Building | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 45 GAINES RD |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-4301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C64 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 40602 |
Source: Tipton County records, as of January 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 45 GAINES RD, COVINGTON, TN 38019-4301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 22, 2022 | Intrafamily Transfer, Transfer |
| Jul 8, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Dec 7, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF RIPLEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2009 · Amount on Record |
| Deed Sale | Nov 19, 2009 · Amount on Record |
| Prior Sale | Jul 8, 2022 |
| Deed Document Number | 1458611 |
| Last Transfer Date | Aug 22, 2022 |
| Transfer Doc | 0001972250 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Aug 22, 2022 |
| Property Address | 45 GAINES RD, COVINGTON, TN 38019-4301 |
| Document Number | 0001972250 |
| Book / Page | 1972 / 250 |
| Map Reference | CAB H SL 875 |
| Instrument Date | Aug 19, 2022 |
| Instrument | 259844 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 476 AKINS STORE RD, MUNFORD, TN 38058-6472 |
| Name | Verified Name |
|---|---|
| Address | 1165 APPLEBERRY RD, MUNFORD, TN 38058-8521 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Jul 8, 2022 |
| Property Address | 45 GAINES RD, COVINGTON, TN 38019-4301 |
| Document Number | 0001966717 |
| Book / Page | 1966 / 717 |
| Map Reference | CAB H SL 875 |
| Instrument Date | Jul 6, 2022 |
| Instrument | 258543 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 476 MINE STORE RD, MUNFORD, TN 38058 |
| Name | Verified Name |
|---|---|
| Address | 1165 APPLEBERRY RD, MUNFORD, TN 38058-8521 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 45 GAINES RD, COVINGTON, TN 38019-4301 |
| Document Number | 17431068 |
| Book / Page | 001743 / 001068 |
| Instrument Date | Dec 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 45 GAINES RD COVINGTON TN 380194301, COVINGTON, TN 38019-4301 |
| Document Number | 17431068 |
|---|---|
| Date | Dec 20, 2017 |
| Book Page | 001743/001068 |
| Instrument | 209957 |
| Name | BANK OF RIPLEY |
|---|---|
| Type | Bank |
| Address | COVINGTON, TN 38019 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Dec 19, 2024 |
| Rate Type | Adjustable Rate |
|---|
Source: Tipton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Unified School District | Tipton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $302.00 (+5.96%) | $19,850 (-) Land $3,700 Building $16,150 | |
| 2023 | $19,850 (+42.04%) Land $3,700 Building $16,150 | ||
| 2022 | $285.00 | $13,975 Land $2,725 Building $11,250 | $55,900 (-29.6%) Land $10,900 Building $45,000 |
| 2020 | $79,400 Land $14,800 Building $64,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (2010–2025) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 93% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COVINGTON WATER DEPT serves 14,334 people · EPA ID TN0000144 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Aeneas Communications Fiber | 1,000 / 1,000 |
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