557 S Hardy Rd, Covington, IN 47932 Property Records

Fountain County property record for 557 S Hardy Rd, Covington, IN 47932

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,224 sqft · built 1985
Lot Size	4.87 acres (212,399 sqft)
Owner	Company Name on Record
Tax Bill	$2,471 (2025)
Deeds & Mortgages	Sep 2023 Transfer Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`017C090710300100`

Property Details

APN / Parcel Number

Primary APN	`017C090710300100`
Alternative APNs	`23-12-07-200-001.001-015` `00001009271` `0170021401`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,224 sqft Living Area
1st Floor Area	3,224 sqft
Basement Area	1,612 sqft
Unfinished Basement	1,468 sqft
Family Room	Family Room

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	212,399 sqft (4.87 acres)

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	706 sqft
Deck Area	1,000 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001009271
Street Address	557 S HARDY RD
City	COVINGTON
State	IN
Zip	47932-8178
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	017-00214-01 PT CENT NW 7-19-8 4.876A MP 017-C09-07-103-00100
Jurisdiction	FOUNTAIN IN
Township / Civil Division	TROY
Census Block Group	4
Census Block	4050
Census Tract	957800

Owner

Source: Fountain County records, as of October 12, 2026

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

Owner of Record	Company Name on Record
Mailing Address	557 S HARDY RD, COVINGTON, IN 47932-8178
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Intrafamily Transfer, Transfer
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FOUNTAIN TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 15, 2016
Transfer Doc	0201600579
Record Updated	Oct 29, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FOUNTAIN IN
Recording Date	Sep 14, 2023
Property Address	557 S HARDY RD, COVINGTON, IN 47932-8178
Document Number	0202302079
Instrument Date	Sep 1, 2023
Instrument	202302079
Transaction Type	Transfer
Record Updated	Oct 11, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	557 S HARDY RD, COVINGTON, IN 47932-8178

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FOUNTAIN IN
Property Address	557 S HARDY RD, COVINGTON, IN 47932-8178
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100267
Date	Feb 1, 2021
Instrument	202100267

Lender

Name	FOUNTAIN TRUST CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Fountain County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Fountain County
County Subdivision	Troy Township
Unified School District	Covington Community School Corporation (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,471.00 (+1.52%) Homeowner's exemption	$397,300 (+28.2%) Land $34,700 Building $362,600	$397,300 (+28.2%) Land $34,700 Building $362,600
2024	$2,434.00 (+4.82%)
2023	$2,322.00 (-1.11%)	$309,900 (+7.42%) Land $25,900 Building $284,000	$309,900 (+7.42%) Land $25,900 Building $284,000
2022	$2,348.00	$288,500 Land $23,100 Building $265,400	$288,500 Land $23,100 Building $265,400

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 February 6, 2013

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	Low lower than 95% of the US · lower than 68% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Tipmont REMC Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

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