540 Payne Ave, Covington, TN 38019 Property Records

Tipton County property record for 540 Payne Ave, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,308 sqft · built 1976
Lot Size	0.243 acres (10,625 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Nov 2020)
Tax Bill	$997 (2022)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084041J E 01400`

Property Details

APN / Parcel Number

Primary APN	`084041J E 01400`
Alternative APN	`041J E 01400`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,308 sqft Living Area
1st Floor Area	1,308 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1999
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,625 sqft (0.243 acres)
Lot Dimensions	125 ft deep x 85 ft wide
Garage Type	Mixed
Garage Area	324 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	540 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	4 85
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	4
Census Block	4014
Census Tract	40700

Owner

Source: Tipton County records, as of January 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	540 PAYNE AVE, COVINGTON, TN 38019-3016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Jan 6, 2017 · Amount on Record
Deed Document Number	239080
Deed Book / Page	1871 / 703
Record Updated	Jun 8, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jan 6, 2017
Property Address	540 PAYNE AVE, COVINGTON, TN 38019-3016
Document Number	0017091026
Book / Page	1709 / 1026
Instrument Date	Dec 29, 2016
Instrument	200912
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 PAYNE AVE, COVINGTON, TN 38019-3016

Mortgage

Document Number	17091028
Date	Jan 6, 2017
Book Page	1709/1028
Instrument	200913

Lender

Name	PATRIOT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

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

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		$43,400 (-) Land $5,025 Building $38,375
2023		$43,400 Land $5,025 Building $38,375
2022	$997.00
2020			$173,600 Land $20,100 Building $153,500

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

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

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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