508 Payne Ave, Covington, TN 38019 Property Records

Tipton County property record for 508 Payne Ave, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2.25 ba · 1,850 sqft · built 1976
Lot Size	0.244 acres (10,625 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Sep 2026)
Tax Bill	$1,208 (2022)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`084041J E 01100`

Property Details

APN / Parcel Number

Primary APN	`084041J E 01100`
Alternative APN	`041J E 01100`

Interior

Full Baths	2.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	1,850 sqft Living Area
1st Floor Area	925 sqft
Upper Floors Area	925 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Type	Mansard
Roof Material	Built-Up Asphalt
Lot Area	10,625 sqft (0.244 acres)
Lot Dimensions	125 ft deep x 85 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	470 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	508 PAYNE AVE
City	COVINGTON
State	TN
Zip	38019-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C44
Legal Subdivision	MCLENNAN-PAYNE
Legal Block	D
Legal Lot Number	11
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	4
Census Block	4014
Census Tract	40700

Owner

508 Payne Ave is owned and occupied by an individual who bought it in September 2026.

Source: Tipton County records, as of September 18, 2026

Owner of Record	Individual Name on File
Mailing Address	508 PAYNE AVE, COVINGTON, TN 38019-3016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Warranty Deed, Transfer · FHA Mortgage ZILLOW HOME LOANS LLC
Apr 22, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Mar 5, 2026	Warranty Deed, Transfer JASON BUTLER
Mar 22, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2026 · Amount on File
Deed Sale	Sep 10, 2026 · Amount on File
Prior Sale	Mar 5, 2026 · Amount on File
Deed Document Number	2026295622
Deed Book / Page	2139 / 980
Prior Transfer Date	Mar 22, 2021
Prior Transfer Doc	0001891366
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Sep 10, 2026
Property Address	508 PAYNE AVE, COVINGTON, TN 38019-3016
Document Number	0000295622
Book / Page	2139 / 980
Instrument Date	Sep 4, 2026
Instrument	2026295622
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	EDCO TITLE AND CLOSING SERVICES, EDCO TITLE & CLOSING SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95,293.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 PAYNE AVE, COVINGTON, TN 38019-3016

Mortgage

Document Number	0000295623,
Date	Sep 10, 2026
Instrument	2026295623

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	508 PAYNE AVE, COVINGTON, TN 38019-3016
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 PAYNE AVE, COVINGTON, TN 38019-3016

Mortgage

Document Number	0000189771
Date	Apr 22, 2021
Book Page	1897/71
Instrument	244076

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 26, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Mar 5, 2026
Property Address	508 PAYNE AVE, COVINGTON, TN 38019-3016
Document Number	0002115286
Book / Page	2115 / 286
Instrument Date	Mar 2, 2026
Instrument	290538
Transaction Type	Transfer
Record Updated	Mar 16, 2026
Title Company	EDCO TITLE AND CLOSING SERVICES, EDCO TTL & CLOSING SVCS INC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8335 MEMPHIS ARLINGTON RD, BARTLETT, TN 38133-2103
Investor	Possibly a Property Investor

Mortgage

Document Number	0000290539
Date	Mar 5, 2026
Instrument	290539

Lender

Name	JASON BUTLER
Type	Private Party

Agreement

Amount	Amount on Record
Term	7 Months
Due	Oct 1, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TIPTON TN
Recording Date	Mar 22, 2021
Property Address	508 PAYNE AVE, COVINGTON, TN 38019-3016
Document Number	0001891366
Book / Page	1891 / 366
Instrument Date	Mar 22, 2021
Instrument	242880
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	508 PAYNE AVE, COVINGTON, TN 38019-3016

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Tipton County
Municipality	Covington City
Unified School District	Tipton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$52,725 Land $5,025 Building $47,700
2023		$52,725 (+43.18%) Land $5,025 Building $47,700
2022	$1,208.00	$36,825 Land $3,700 Building $33,125	$147,300 Land $14,800 Building $132,500
2020			$210,900 Land $20,100 Building $190,800

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

FEMA maps place 508 Payne Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 28, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 508 Payne Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

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