Tipton County property record for 532 S Main St, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,262 sqft · built 1900 |
| Lot Size | 0.832 acres (36,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Dec 2023) |
| Tax Bill | $3,008 (2022) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084041F B 01100 |
| Primary APN | 084041F B 01100 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,262 sqft Living Area |
| 1st Floor Area | 3,262 sqft |
| Basement Area | 500 sqft |
| Unfinished Basement | 500 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 36,250 sqft (0.832 acres) |
| Lot Dimensions | 290 ft deep x 125 ft wide |
| Garage Type | Detached |
| Garage Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 984 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 532 S MAIN ST |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-2822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C43 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 40700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the South Main Street Historic District listed 1992 · 75 contributing resources · NRIS 92000427 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
532 S Main St is owned and occupied by an individual who bought it in December 2023.
Source: Tipton County records, as of January 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 532 S MAIN ST, COVINGTON, TN 38019-2822 |
| 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.
| Date | Document |
|---|---|
| Dec 14, 2023 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICES INC |
| Apr 12, 2022 | Warranty Deed, Transfer · Commercial Mortgage THE BANK OF FAYETTE COUNTY |
| Jul 2, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2023 · Amount on File |
| Deed Sale | Dec 14, 2023 · Amount on File |
| Prior Sale | Apr 12, 2022 · Amount on File |
| Deed Document Number | 271217 |
| Deed Book / Page | 2023 / 433 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Dec 14, 2023 |
| Property Address | 532 S MAIN ST, COVINGTON, TN 38019-2822 |
| Document Number | 0002023433 |
| Book / Page | 2023 / 433 |
| Instrument Date | Nov 17, 2023 |
| Instrument | 271217 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,258.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 532 S MAIN ST, COVINGTON, TN 38019-2822 |
| Document Number | 0000271218 |
|---|---|
| Date | Dec 14, 2023 |
| Instrument | 271218 |
| Name | AMERICAN MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Apr 12, 2022 |
| Property Address | 532 S MAIN ST, COVINGTON, TN 38019-2822 |
| Document Number | 0001954558 |
| Book / Page | 1954 / 558 |
| Instrument Date | Apr 7, 2022 |
| Instrument | 255934 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,627.63 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 532 S MAIN ST, COVINGTON, TN 38019-2822 |
| Document Number | 0000255936 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 255936 |
| Name | THE BANK OF FAYETTE COUNTY |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Jul 2, 2021 |
| Property Address | 532 S MAIN ST, COVINGTON, TN 38019-2822 |
| Document Number | 1909512 |
| Book / Page | 1909 / 512 |
| Instrument Date | Jun 21, 2021 |
| Instrument | 246637 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $806.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 302 S MAIN ST, COVINGTON, TN 38019-2554 |
Source: Tipton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Municipality | Covington City |
| Unified School District | Tipton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $109,675 Land $7,200 Building $102,475 | ||
| 2023 | $131,450 (+43.39%) Land $7,200 Building $124,250 | ||
| 2022 | $3,008.00 | $91,675 Land $5,300 Building $86,375 | $366,700 Land $21,200 Building $345,500 |
| 2020 | $438,700 Land $28,800 Building $409,900 |
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.
FEMA maps place 532 S Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1991.
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 Claims | 1 (1991) |
| Most Recent Claim | Apr 1991 · rainfall accumulation |
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 risk around 532 S Main St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 426 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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