497 J J Ln, Covington, LA 70433 Property Records

St. Tammany Parish property record for 497 J J Ln, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	1,948 sqft · built 2005
Owner	Individual Name on Record
Last Sale	$275,000 (Sep 2025)
Tax Bill	$2,172 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage May 2021 Sale & Mortgage
APN	`103-140-7316`

Property Details

APN / Parcel Number

Primary APN	`103-140-7316`
Alternative APN	`2350`

Interior

Building Area	1,948 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Garage Area	394 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	103-140-7316
Street Address	497 J J LN
City	COVINGTON
State	LA
Zip	70433-6990
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 58 TALLOW CREEK PH 1C INST NO 1365812 INST NO 1452807 INST NO 1479727
Legal Subdivision	TALLOW CREEK
Legal Phase	1C
Legal Lot Number	58
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	1
Census Block Group	1
Census Block	1021
Census Tract	40401

Owner

Source: St. Tammany Parish records, as of February 5, 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
Co-owner	Co-owner on Record
Mailing Address	497 J J LN, COVINGTON, LA 70433-6990
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Cash Sale Deed, Transfer · Conventional Mortgage CHEVRON FCU
May 25, 2021	Deed, Transfer · Conventional Mortgage GMFS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	May 25, 2021 · Amount on Record
Deed Document Number	2465998
Record Updated	Jun 8, 2026

September 2025: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Sep 29, 2025
Property Address	497 J J LN, COVINGTON, LA 70433-6990
Document Number	0002465998
Instrument Date	Sep 29, 2025
Instrument	2465998
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	CRESCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1815 PLYMOUTH ROCK DR, RICHARDSON, TX 75081-3942

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 J J LN, COVINGTON, LA 70433-6990

Mortgage

Document Number	0002466000
Date	Sep 29, 2025
Instrument	2466000

Lender

Name	CHEVRON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2020
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	8%
Index	Other
Margin	3
Max Rate	11%

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	May 25, 2021
Property Address	497 J J LN, COVINGTON, LA 70433-6990
Document Number	0002271693
Map Reference	DOC 1479727
Instrument Date	May 21, 2021
Instrument	2271693
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	VINTAGE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1281, MANDEVILLE, LA 70470-1281

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 J J LN, COVINGTON, LA 70433-6990

Mortgage

Document Number	0002271695
Date	May 25, 2021
Instrument	2271695

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Tammany Parish assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Louisiana
County	St. Tammany Parish
Unified School District	St. Tammany Parish School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,172.00 (-3.42%) Homeowner's exemption	$25,044 (-) Land $4,500 Building $20,544	$250,439 (-) Land $45,000 Building $205,439
2024	$2,249.00 (+48.65%) Homeowner's exemption	$25,044 (+35.44%) Land $4,500 Building $20,544	$250,439 (+35.44%) Land $45,000 Building $205,439
2023	$1,513.00 Homeowner's exemption	$18,491 (-) Land $3,500 Building $14,991	$184,911 (-) Land $35,000 Building $149,911
2022	$1,513.00 Homeowner's exemption	$18,491 Land $3,500 Building $14,991	$184,911 Land $35,000 Building $149,911

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.

Flood

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 525 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	525 in force
Nearby Flood Claims	24 (1998–2024)
Claims Outside the SFHA	8 of 24
Most Recent Claim	Jan 2024 · rainfall accumulation
Claims by Event	Hurricane Ida, Aug 2021 · 2 claims Severe Storms And Flooding, Aug 2016 · 16 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 89% of Louisiana
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: REV, T-Mobile.

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