5309 Mount Carmel Rd, Covington, TN 38019 Property Records

Tipton County property record for 5309 Mount Carmel Rd, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,979 sqft · built 2009
Lot Size	7.8 acres (339,768 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,056 (2025)
Deeds & Mortgages	May 2020 Mortgage Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`084078 02902`

Property Details

APN / Parcel Number

Primary APN	`084078 02902`
Alternative APN	`078 02902`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,979 sqft Living Area
1st Floor Area	2,229 sqft
Upper Floors Area	750 sqft
Attic Area	528 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	339,768 sqft (7.8 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,338 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	445 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	5309 MT CARMEL RD
City	COVINGTON
State	TN
Zip	38019-7607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 08, COUNTY AREA: C62
Jurisdiction	TIPTON TN
Township / Civil Division	7
Census Block Group	2
Census Block	2003
Census Tract	40800

Owner

Source: Tipton County records, as of January 19, 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 Individual Names on Record
Mailing Address	PO BOX 1106, COVINGTON, TN 38019-1106
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage PATRIOT BANK
Jul 27, 2020	Deed of Trust, Mortgage · Line of Credit PATRIOT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2008
Deed Sale	Jan 2, 2008
Deed Document Number	0001377786
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	5309 MT CARMEL RD, COVINGTON, TN 38019
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1843635
Date	May 14, 2020
Book Page	1843/635
Instrument	233204

Lender

Name	PATRIOT BANK
Type	Bank
Address	MILLINGTON, TN 38053

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	5309 MT CARMEL RD, COVINGTON, TN 38019
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1853872
Date	Jul 27, 2020
Book Page	1853/872
Instrument	235395

Lender

Name	PATRIOT BANK
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	204 Months
Due	Jul 10, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,056.00 (+17.75%)	$135,100 (-) Land $19,400 Building $115,700
2023		$135,100 Land $19,400 Building $115,700
2022	$1,746.00
2020			$540,400 Land $77,600 Building $462,800

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

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 96% of the US · lower than 96% of Tennessee
Wildfire Likelihood	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	POPLAR GROVE UTILITY DISTRICT serves 19,599 people · EPA ID TN0000201
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	4 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Aeneas Communications Fiber	1,000 / 1,000

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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