Tipton County property record for 65 Gaines Rd, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,121 sqft · built 1910 |
| Lot Size | 0.83 acres (36,155 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $83,000 (Jan 2021) |
| Tax Bill | $501 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Mar 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084007 02103 |
| Primary APN | 084007 02103 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,121 sqft Living Area |
| 1st Floor Area | 1,121 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 36,155 sqft (0.83 acres) |
| Porch | Slab |
| Porch Area | 81 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 65 GAINES RD |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-4301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | FAR |
| Legal Description | DISTRICT: 01, COUNTY AREA: C64 |
| Legal Subdivision | WILLIAM FARMER PROPERTY |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 40602 |
Source: Tipton County records, as of January 21, 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 | 65 GAINES RD, COVINGTON, TN 38019-4301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Jan 8, 2021 | Warranty Deed, Transfer · FHA Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| Mar 12, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 12, 2020 | Warranty Deed, Transfer · Line of Credit PATRIOT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2021 · Amount on Record |
| Deed Sale | Jan 8, 2021 · Amount on Record |
| Prior Sale | Mar 12, 2020 · Amount on Record |
| Deed Document Number | 2021240465 |
| Deed Book / Page | 1879 / 131 |
| Prior Transfer Date | Mar 10, 2020 |
| Prior Transfer Doc | 0001835495 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Jan 8, 2021 |
| Property Address | 65 GAINES RD, COVINGTON, TN 38019-4301 |
| Document Number | 0001879131 |
| Book / Page | 1879 / 131 |
| Map Reference | MB 465 PG 37 |
| Instrument Date | Jan 7, 2021 |
| Instrument | 240465 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $307.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 65 GAINES RD, COVINGTON, TN 38019-4301 |
| Document Number | 0000240466 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 240466 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Mar 12, 2020 |
| Property Address | 65 GAINES RD, COVINGTON, TN 38019-4301 |
| Document Number | 1835495 |
| Book / Page | 001835 / 000495 |
| Instrument Date | Mar 10, 2020 |
| Instrument | 231514 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 INDIAN WELLS DR COVINGTON TN 380193580, COVINGTON, TN 38019-3580 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Mar 12, 2020 |
| Property Address | 65 GAINES RD, COVINGTON, TN 38019-4301 |
| Document Number | 0001835497 |
| Book / Page | 1835 / 497 |
| Instrument Date | Mar 10, 2020 |
| Instrument | 231515 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $18.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 INDIAN WELLS DR, COVINGTON, TN 38019-3580 |
| Document Number | 0000231516 |
|---|---|
| Date | Mar 12, 2020 |
| Instrument | 231516 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 10, 2021 |
Source: Tipton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Unified School District | Tipton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $501.00 (+6.37%) | $32,950 (-) Land $5,025 Building $27,925 | |
| 2023 | $32,950 Land $5,025 Building $27,925 | ||
| 2022 | $471.00 | ||
| 2020 | $131,800 Land $20,100 Building $111,700 |
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.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (2010–2025) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 93% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Aeneas Communications Fiber | 1,000 / 1,000 |
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