528 Valley Ave, Covington, TN 38019 Property Records

Tipton County property record for 528 Valley Ave, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,022 sqft · built 1955
Lot Size	0.244 acres (10,640 sqft)
Owner	2 Individual Names on Record
Tax Bill	$482 (2022)
Deeds & Mortgages	Jul 2026 Mortgage May 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`084041B E 01300`

Property Details

APN / Parcel Number

Primary APN	`084041B E 01300`
Alternative APN	`041B E 01300`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,022 sqft Living Area
1st Floor Area	1,022 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1985
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,640 sqft (0.244 acres)
Lot Dimensions	133 ft deep x 80 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	240 sqft
Canopy	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	528 VALLEY AVE
City	COVINGTON
State	TN
Zip	38019-2356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C42
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1024
Census Tract	40700

Owner

Source: Tipton County records, as of July 10, 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	528 VALLEY AVE, COVINGTON, TN 38019-2356
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Quit Claim Deed, Transfer · Conventional Mortgage TOP FLITE FINANCIAL
May 4, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 1982
Deed Sale	Sep 10, 1982
Prior Sale	Oct 3, 1970
Deed Book / Page	486 / 61
Last Transfer Date	Apr 24, 2026
Transfer Doc	0000292074
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIPTON TN
Recording Date	Jul 1, 2026
Property Address	528 VALLEY AVE, COVINGTON, TN 38019-2356
Document Number	0000293778
Book / Page	2131 / 255
Instrument Date	Jun 25, 2026
Instrument	2026293778
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 VALLEY AVE, COVINGTON, TN 38019-2356

Mortgage

Document Number	0000293779,
Date	Jul 1, 2026
Instrument	2026293779

Lender

Name	TOP FLITE FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIPTON TN
Recording Date	May 4, 2026
Property Address	528 VALLEY AVE, COVINGTON, TN 38019-2356
Document Number	0000292074
Book / Page	2123 / 31
Instrument Date	Apr 24, 2026
Instrument	2026292074
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 VALLEY AVE, COVINGTON, TN 38019-2356

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		$25,775 (-) Land $4,050 Building $21,725
2023		$25,775 Land $4,050 Building $21,725
2022	$482.00
2020			$103,100 Land $16,200 Building $86,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · 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
Nearby Flood Policies	8 in force
Nearby Flood Claims	12 (1988–2025)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 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	Low lower than 98% of the US · lower than 98.3% 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 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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