St. Tammany Parish property record for 482 Cercle Du Lac, Covington, LA 70433
| Property Type | Single Family Home |
|---|---|
| Details | 2,316 sqft · built 2021 |
| Owner | 2 Individual Names on Record |
| Last Sale | $479,000 (Jul 2020) |
| Tax Bill | $4,978 (2025) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage Nov 2019 Sale & Mortgage |
| APN | 103-819-1355 |
| Primary APN | 103-819-1355 |
|---|---|
| Alternative APN |
|
| Building Area | 2,316 sqft Living Area |
|---|
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Garage Area | 613 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 482 CERCLE DU LAC |
|---|---|
| City | COVINGTON |
| State | LA |
| Zip | 70433-7339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 21 MAISON DU LAC PH 2 INST NO 1808003 INST NO 2182342 INST NO 2217870 |
| Legal Subdivision | MAISON DU LAC |
| Legal Phase | 2 |
| Legal Lot Number | 21 |
| Jurisdiction | SAINT TAMMANY LA |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 40401 |
Source: St. Tammany Parish records, as of February 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 482 CERCLE DU LAC, COVINGTON, LA 70433-7339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Jul 30, 2020 | Deed, Transfer · Conventional Mortgage FIFTH DISTRICT SAVINGS BANK |
| Nov 12, 2019 | Cash Sale Deed, Transfer · Commercial Mortgage HOME BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2020 · Amount on Record |
| Deed Sale | Jul 30, 2020 · Amount on Record |
| Prior Sale | Nov 12, 2019 · Amount on Record |
| Deed Document Number | 20202217870 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SAINT TAMMANY LA |
| Recording Date | Jul 30, 2020 |
| Property Address | 482 CERCLE DU LAC, COVINGTON, LA 70433-7339 |
| Document Number | 0002217870 |
| Map Reference | MAP 5768 |
| Instrument Date | Jul 29, 2020 |
| Instrument | 2217870 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Title Company | FLAGSHIP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 215 CHIMAERA LN, SLIDELL, LA 70458-9003 |
| Name | Verified Name |
|---|---|
| Address | 482 CERCLE DU LAC, COVINGTON, LA 70433-7339 |
| Document Number | 0002217872 |
|---|---|
| Date | Jul 30, 2020 |
| Instrument | 2217872 |
| Name | FIFTH DISTRICT SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Cash Sale Deed |
|---|---|
| Jurisdiction | SAINT TAMMANY LA |
| Recording Date | Nov 12, 2019 |
| Property Address | 482 CERCLE DU LAC, COVINGTON, LA 70433-7339 |
| Document Number | 0002182342 |
| Map Reference | MAP 5768 |
| Instrument Date | Nov 8, 2019 |
| Instrument | 2182342 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Title Company | WINTERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 354 FREMAUX AVE, SLIDELL, LA 70458-3234 |
| Document Number | 0002182361 |
|---|---|
| Date | Nov 12, 2019 |
| Instrument | 2182361 |
| Name | HOME BANK NA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: St. Tammany Parish assessment roll, as of February 6, 2026
| Type | Name |
|---|---|
| State | Louisiana |
| County | St. Tammany Parish |
| Unified School District | St. Tammany Parish School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,978.00 (-3.43%) Homeowner's exemption | $47,708 (-) Land $8,000 Building $39,708 | $477,079 (-) Land $80,000 Building $397,079 |
| 2024 | $5,155.00 (+1.84%) Homeowner's exemption | $47,708 (+7.79%) Land $8,000 Building $39,708 | $477,079 (+7.79%) Land $80,000 Building $397,079 |
| 2023 | $5,062.00 Homeowner's exemption | $44,262 (-) Land $8,000 Building $36,262 | $442,620 (+3.51%) Land $80,000 Building $362,620 |
| 2022 | $5,062.00 Homeowner's exemption | $44,262 Land $8,000 Building $36,262 | $427,620 Land $65,000 Building $362,620 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 534 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 534 in force |
| Nearby Flood Claims | 15 (2005–2024) |
| Claims Outside the SFHA | 7 of 15 |
| Most Recent Claim | Sep 2024 · Hurricane Francine |
| 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 65% of the US · above 54% of Louisiana |
|---|---|
| Wildfire Likelihood | 0.03% 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 | CITY OF COVINGTON WATER SUPPLY serves 16,185 people · EPA ID LA1103011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected May 2024 |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 210 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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