685 Covington Loop, Saulsbury, TN 38067 Property Records

Hardeman County property record for 685 Covington Loop, Saulsbury, TN 38067

Property Summary

Property Type	Rural Home
Details	4 ba · 2,439 sqft · built 1984
Lot Size	17.7 acres (771,448 sqft)
Owner	Individual Name on File
Last Sale	$329,900 (Nov 2022)
Tax Bill	$1,361 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035129 02100`

Property Details

APN / Parcel Number

Primary APN	`035129 02100`
Alternative APN	`129 02100`

Interior

Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,439 sqft Living Area
1st Floor Area	1,796 sqft
Upper Floors Area	784 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2011
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	771,448 sqft (17.7 acres)
Garage Type	Attached
Garage Area	576 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	689 sqft
Deck Area	96 sqft
Patio Area	1,000 sqft
Utility Building	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	685 COVINGTON LOOP
City	SAULSBURY
State	TN
Zip	38067-7843
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 04, COUNTY AREA: D01
Jurisdiction	HARDEMAN TN
Township / Civil Division	5
Census Block Group	2
Census Block	2010
Census Tract	950600

Owner

685 Covington Loop, a rural home, is owned and occupied by an individual who bought it in November 2022.

Source: Hardeman County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	685 COVINGTON LOOP, SAULSBURY, TN 38067-7843
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA
May 23, 2022	Warranty Deed, Transfer NOT AVAILABLE, HORNSBY TITLE
Mar 22, 2022	Quit Claim Deed, Transfer NOT AVAILABLE, HORNSBY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2022 · Amount on File
Deed Sale	Nov 16, 2022 · Amount on File
Prior Sale	May 23, 2022 · Amount on File
Deed Document Number	232268
Deed Book / Page	116 / 852
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDEMAN TN
Recording Date	Nov 16, 2022
Property Address	685 COVINGTON LOOP, SAULSBURY, TN 38067-7843
Document Number	000116/852
Book / Page	116 / 852
Instrument Date	Nov 14, 2022
Instrument	232268
Transaction Type	Transfer
Record Updated	Dec 2, 2022
Title Company	NOT AVAILABLE, HORNSBY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,220.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 COVINGTON LOOP, SAULSBURY, TN 38067-7843
Investor	Possibly a Property Investor

Mortgage

Document Number	0000232269
Date	Nov 16, 2022
Instrument	232269

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARDEMAN TN
Recording Date	May 23, 2022
Property Address	685 COVINGTON LOOP, SAULSBURY, TN 38067-7843
Document Number	000114/302
Book / Page	114 / 302
Instrument Date	May 23, 2022
Instrument	230201
Transaction Type	Transfer
Record Updated	Jun 7, 2022
Title Company	NOT AVAILABLE, HORNSBY TITLE

Transaction

Amount	Amount on Record
Tax	$314.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 WALLER LN, BOLIVAR, TN 38008-8149

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDEMAN TN
Recording Date	Mar 22, 2022
Property Address	685 COVINGTON LOOP, SAULSBURY, TN 38067-7843
Document Number	000113/161
Book / Page	113 / 161
Instrument Date	Mar 22, 2022
Instrument	229326
Transaction Type	Transfer
Record Updated	Apr 7, 2022
Title Company	NOT AVAILABLE, HORNSBY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 COVINGTON LOOP, SAULSBURY, TN 38067-7838

Tax Assessment & Valuation

The 2025 property tax bill for 685 Covington Loop was $1,361 with an additional exemption.

Source: Hardeman County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Hardeman County
Unified School District	Hardeman County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,361.00 Additional exemption filed	$75,175 Land $3,000 Building $72,175
2023		$75,175 Land $3,000 Building $72,175	$332,600 Land $43,900 Building $288,700
2022	$531.00

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.

Flood

FEMA maps place 685 Covington Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 28, 2007

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

Wildfire risk around 685 Covington Loop is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 65% of Tennessee
Wildfire Likelihood	0.1% 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 5 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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