510 Payne Ave, Covington, TN 38019 Property Records

Tipton County property record for 510 Payne Ave, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,486 sqft · built 1973
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Feb 2024)
Tax Bill	$1,342 (2022)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`084041J E 01200`

Property Details

APN / Parcel Number

Primary APN	`084041J E 01200`
Alternative APN	`041J E 01200`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,486 sqft Living Area
1st Floor Area	2,145 sqft
Upper Floors Area	1,136 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1991
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,500 sqft (0.264 acres)
Lot Dimensions	125 ft deep x 92 ft wide
Garage Type	Finished
Garage Area	354 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	151 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	510 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	8
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	4
Census Block	4014
Census Tract	40700

Owner

510 Payne Ave is owned and occupied by an individual who bought it in February 2024.

Source: Tipton County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	510 PAYNE AVE, COVINGTON, TN 38019-3016
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 12, 2024	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 10, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Dec 4, 2019	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAP & INV LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2024 · Amount on File
Deed Sale	Feb 12, 2024 · Amount on File
Prior Sale	Mar 25, 2019 · Amount on File
Deed Document Number	2024272330
Deed Book / Page	2028 / 469
Transfer Doc	0770000888
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Feb 12, 2024
Property Address	510 PAYNE AVE, COVINGTON, TN 38019-3016
Document Number	0002028469
Book / Page	2028 / 469
Instrument Date	Jan 4, 2023
Instrument	272330
Transaction Type	Transfer
Record Updated	Feb 23, 2024
Title Company	WORLD CLASS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$684.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 PAYNE AVE, COVINGTON, TN 38019-3016

Mortgage

Document Number	0000272331
Date	Feb 12, 2024
Instrument	272331

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

Mortgage

Document Number	0002028495
Date	Feb 12, 2024
Book Page	2028/495
Instrument	272332

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	510 PAYNE AVE, COVINGTON, TN 38019-3016
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 PAYNE AVE, COVINGTON, TN 38019-3016

Mortgage

Document Number	0001977935
Date	Oct 10, 2022
Book Page	1977/935
Instrument	261139

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	327 Months
Due	Jan 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	510 PAYNE AVE, COVINGTON, TN 38019-3016
Document Number	1827164
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	MILESTONE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 PAYNE AVE COVINGTON TN 380193016, COVINGTON, TN 38019-3016

Mortgage

Document Number	1827164
Date	Jan 6, 2020
Book Page	001827/000164
Instrument	229530

Lender

Name	VILLAGE CAP & INV LLC
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2050

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		$57,375 Land $5,450 Building $51,925
2023		$58,575 (+43.22%) Land $5,450 Building $53,125
2022	$1,342.00	$40,900 Land $4,000 Building $36,900	$163,600 Land $16,000 Building $147,600
2020			$229,500 Land $21,800 Building $207,700

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 510 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

The area around 510 Payne Ave 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.

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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