Tipton County property record for 645 S Main St, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,587 sqft · built 1924 |
| Lot Size | 0.273 acres (11,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Sep 2024) |
| Tax Bill | $1,038 (2022) |
| Deeds & Mortgages | Sep 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 084041F F 01100 |
| Primary APN | 084041F F 01100 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,587 sqft Living Area |
| 1st Floor Area | 1,587 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,900 sqft (0.273 acres) |
| Lot Dimensions | 140 ft deep x 85 ft wide |
| Garage Type | Detached |
| Porch | Open Porch |
| Porch Area | 260 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 645 S MAIN ST |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-2823 |
| 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.
645 S Main St is owned by an individual who bought it in September 2024.
Source: Tipton County records, as of January 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 568 HALL RD, COVINGTON, TN 38019-7569 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2024 · Amount on File |
| Deed Sale | Sep 13, 2024 · Amount on File |
| Prior Sale | Mar 22, 1999 · Amount on File |
| Deed Document Number | 277424 |
| Deed Book / Page | 2052 / 926 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Sep 13, 2024 |
| Property Address | 645 S MAIN ST, COVINGTON, TN 38019-2823 |
| Document Number | 0002052926 |
| Book / Page | 2052 / 926 |
| Instrument Date | Sep 11, 2024 |
| Instrument | 277424 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $684.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
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 | $45,275 Land $3,975 Building $41,300 | ||
| 2023 | $45,275 Land $3,975 Building $41,300 | ||
| 2022 | $1,038.00 | ||
| 2020 | $181,100 Land $15,900 Building $165,200 |
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 645 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 645 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 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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