Covington City property record for 520 W Oak St, Covington, VA 24426
| Property Type | Commercial |
|---|---|
| Details | 2 ba · 16,766 sqft · built 1940 |
| Lot Size | 0.08 acres (3,363 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $3,729 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-114-29 |
| Primary APN | 18-114-29 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 4 Half Baths |
| Total Rooms | 16 Rooms |
| Stories | 1 Story |
| Building Area | 16,766 sqft Gross Area |
| Basement Area | 4,648 sqft |
| Unfinished Basement | 4,648 sqft |
| Flooring | Softwood |
| Interior Walls | Paneling |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Concrete |
| Roof Type | Flat |
| Roof Material | Gravel |
| Lot Area | 3,363 sqft (0.08 acres) |
| Garage Area | 2,310 sqft |
| Porch | Slab |
| Porch Area | 32 sqft |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 2832 |
|---|---|
| Street Address | 520 W OAK ST |
| City | COVINGTON |
| State | VA |
| Zip | 24426 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | C1 |
| Legal Description | CIC BLK 14 LOTS 29-40 OLD ARMORY |
| Legal Block | 14 |
| Legal Lot Number | 29-40 |
| Jurisdiction | COVINGTON CITY VA |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 60200 |
Source: Covington City records, as of May 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | COVINGTON, VA 24426 |
| Owner Type | Company |
| Vesting | Government |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 1997 |
| Deed Sale | Jul 15, 1997 |
| Record Updated | Jun 8, 2026 |
Source: Covington City assessment roll, as of May 12, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Covington City |
| Unified School District | Alleghany Highlands Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,729.00 | $438,800 (-) Land $90,000 Building $348,800 | $438,800 (-) Land $90,000 Building $348,800 |
| 2023 | $438,800 Land $90,000 Building $348,800 | $438,800 Land $90,000 Building $348,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 28, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 27 policies |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 96 (1985–2016) |
| Claims Outside the SFHA | 27 of 96 |
| Most Recent Claim | Jun 2016 · river or lake flooding |
| 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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect 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 | CITY OF COVINGTON serves 5,961 people · EPA ID VA2580100 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator currently in violation since Mar 2024 |
| Monitoring and Reporting | 36 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 508 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber | 5,000 / 5,000 |
| Glo Fiber Cable · Fiber in parts of the area | 1,200 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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