604 N Main St, Covington, TN 38019 Property Records

Tipton County property record for 604 N Main St, Covington, TN 38019

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	0.5 ba · 5,000 sqft · built 1992
Lot Size	0.344 acres (15,000 sqft)
Owner	Company Name on Record
Last Sale	$125,000 (Jan 2018)
Tax Bill	$2,842 (2022)
Deeds & Mortgages	Jan 2022 Sale & Construction Loan Jan 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`084025N C 01600`

Property Details

APN / Parcel Number

Primary APN	`084025N C 01600`
Alternative APN	`025N C 01600`

Interior

Full Baths	0.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	5,000 sqft Total Area
1st Floor Area	2,650 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1998
Exterior Material	Metal
Construction Type	Masonry / Concrete Block
Roof Type	Rigid Frame Bar Joist
Roof Material	Metal
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Utility Building	2,350 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	604 N MAIN ST
City	COVINGTON
State	TN
Zip	38019-1820
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	DISTRICT: 01, COUNTY AREA: C70
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	2
Census Block	2007
Census Tract	40700

Owner

Source: Tipton County records, as of March 25, 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	1690 BELLEVUE GROVE CV, CORDOVA, TN 38016-4800
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Warranty Deed, Construction Loan · Construction Mortgage FIRST CITIZENS NATIONAL BANK
Jan 18, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2018 · Amount on Record
Deed Sale	Jan 18, 2018 · Amount on Record
Prior Sale	Aug 28, 1990 · Amount on Record
Deed Document Number	2018210596
Deed Book / Page	1746 / 487
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jan 13, 2022
Property Address	604 N MAIN ST, COVINGTON, TN 38019-1820
Document Number	0001942116
Book / Page	1942 / 116
Instrument Date	Jan 3, 2022
Instrument	253177
Transaction Type	Construction Loan
Record Updated	Jan 25, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$647.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1690 BELLEVUE GROVE CV, CORDOVA, TN 38016-4800

Mortgage

Document Number	0000253178
Date	Jan 13, 2022
Instrument	253178

Lender

Name	FIRST CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 3, 2032

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jan 18, 2018
Property Address	604 N MAIN ST, COVINGTON, TN 38019-1820
Document Number	1746487
Book / Page	001746 / 000487
Instrument Date	Jan 10, 2018
Instrument	210596
Transaction Type	Transfer
Record Updated	Jan 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$462.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	101 WINDERMERE CLOSE RIPLEY TN 380636098, RIPLEY, TN 38063-6098

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of January 21, 2026

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		$91,240 (-) Land $22,360 Building $68,880
2023		$91,240 Land $22,360 Building $68,880
2022	$2,842.00
2020			$228,100 Land $55,900 Building $172,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2010–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2025 · 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

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 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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