551 Smith Dr, Covington, TN 38019 Property Records

Tipton County property record for 551 Smith Dr, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,606 sqft · built 1992
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Tax Bill	$744 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084076 02813`

Property Details

APN / Parcel Number

Primary APN	`084076 02813`
Alternative APN	`076 02813`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,606 sqft Living Area
1st Floor Area	1,268 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	338 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Patio Area	144 sqft
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	551 SMITH DR
City	COVINGTON
State	TN
Zip	38019-7975
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 15, COUNTY AREA: A62
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	2
Census Block	2013
Census Tract	40900

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	2 Individual Names on Record
Mailing Address	551 SMITH DR, COVINGTON, TN 38019-7975
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2000
Deed Sale	Feb 7, 2000
Deed Document Number	0000891670
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	551 SMITH DR, COVINGTON, TN 38019-7975
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002013940
Date	Sep 14, 2023
Book Page	2013/940
Instrument	192683

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	551 SMITH DR, COVINGTON, TN 38019-7975
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1764156
Date	Jun 22, 2018
Book Page	1764/156
Instrument	214753

Lender

Name	ROUNDPOINT MORTGAGE SERVICING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2033

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	$744.00 (+13.76%)	$48,900 (-) Land $5,125 Building $43,775
2023		$48,900 Land $5,125 Building $43,775
2022	$654.00
2020			$195,600 Land $20,500 Building $175,100

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 Claims	1 (2011)
Most Recent Claim	May 2011 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MASON WATER DEPARTMENT serves 3,642 people · EPA ID TN0000440
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Dec 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 14 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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