Tipton County property record for 4528 Hwy 54 E, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,091 sqft · built 2005 |
| Lot Size | 5.58 acres (243,065 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,729 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 084043 01606 |
| Primary APN | 084043 01606 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,091 sqft Living Area |
| 1st Floor Area | 2,191 sqft |
| Attic | Attic |
| Attic Area | 616 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 243,065 sqft (5.58 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 644 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 344 sqft |
| Deck Area | 300 sqft |
| Patio Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4528 HIGHWAY 54 E |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-7163 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | FAR |
| Legal Description | DISTRICT: 13, COUNTY AREA: A62 |
| Legal Subdivision | GLENN HWY 54 E |
| Legal Lot Number | 3 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 40900 |
4528 Hwy 54 E is owned and occupied by two individuals who acquired it in April 2004.
Source: Tipton County records, as of March 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4528 HIGHWAY 54 E, COVINGTON, TN 38019-7163 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PATRIOT BANK |
| Nov 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PATRIOT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2004 |
| Deed Sale | Apr 27, 2004 |
| Deed Book / Page | 1136 / 3 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 4528 HIGHWAY 54 E, COVINGTON, TN 38019-7163 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 188948 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 1889/48 |
| Instrument | 242440 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Address | MILLINGTON, TN 38053 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 4528 HIGHWAY 54 E, COVINGTON, TN 38019-7163 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1738894 |
|---|---|
| Date | Nov 1, 2017 |
| Book Page | 1738/894 |
| Instrument | 208725 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 204 Months |
| Due | Nov 1, 2034 |
The 2025 property tax bill for 4528 Hwy 54 E was $1,729.
Source: Tipton County assessment roll, as of January 21, 2026
| 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 | $1,729.00 | $113,650 Land $10,950 Building $102,700 | |
| 2023 | $107,825 Land $5,125 Building $102,700 | ||
| 2022 | $1,172.00 | ||
| 2020 | $454,600 Land $43,800 Building $410,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4528 Hwy 54 E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.
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 | 2 in force |
| Nearby Flood Claims | 1 (2010) |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
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.
The area around 4528 Hwy 54 E has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 28 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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