705 Rue St, Germain, Covington, LA 70433 Property Records

St. Tammany Parish property record for 705 Rue St, Germain, Covington, LA 70433

Property Summary

Property Type	Single Family Home
Details	1,806 sqft · built 2012
Owner	Individual Name on Record
Last Sale	$319,000 (Sep 2020)
Tax Bill	$2,863 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Dec 2018 Sale & Mortgage
APN	`103-813-3143`

Property Details

APN / Parcel Number

Primary APN	`103-813-3143`
Alternative APN	`4145`

Interior

Building Area	1,806 sqft Living Area

Exterior

Year Built	Built 2012
Garage Area	597 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	705 RUE ST GERMAIN
City	COVINGTON
State	LA
Zip	70433-7224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 266 MAISON DU LAC INST NO 1513051 INST NO 1554823 INST NO 1554824 INST NO 1808003 INST NO 1838930 INST NO 1901488 INST NO
Legal Subdivision	MAISON DU LAC GARDEN HOMES
Legal Lot Number	266
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	1
Census Block Group	2
Census Block	2003
Census Tract	40401

Owner

Source: St. Tammany Parish records, as of February 5, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	705 RUE ST GERMAIN, COVINGTON, LA 70433-7224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed, Transfer · FHA Mortgage GMFS LLC
Dec 28, 2018	Cash Sale Deed, Transfer · Conventional Mortgage TRIUMPH MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Prior Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	2227048
Record Updated	Jun 8, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Sep 17, 2020
Property Address	705 RUE ST GERMAIN, COVINGTON, LA 70433-7224
Document Number	0002227048
Map Reference	CIN 174263
Instrument Date	Sep 16, 2020
Instrument	2227048
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	WINTERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2626, COVINGTON, LA 70434-2626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 RUE ST GERMAIN, COVINGTON, LA 70433-7224

Mortgage

Document Number	0002227052
Date	Sep 17, 2020
Instrument	2227052

Lender

Name	GMFS LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 1, 2060

Interest

Rate Type	Fixed Rate

December 2018: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Dec 28, 2018
Property Address	705 RUE ST GERMAIN, COVINGTON, LA 70433-7224
Document Number	0002141047
Instrument Date	Dec 28, 2018
Instrument	2141047
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 RUE ST GERMAIN, COVINGTON, LA 70433-7224

Mortgage

Document Number	0002141048
Date	Dec 28, 2018
Instrument	2141048

Lender

Name	TRIUMPH MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Tammany Parish assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Louisiana
County	St. Tammany Parish
Unified School District	St. Tammany Parish School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,863.00 (-3.47%) Homeowner's exemption	$30,632 (-) Land $5,500 Building $25,132	$306,320 (-) Land $55,000 Building $251,320
2024	$2,966.00 (+6.54%) Homeowner's exemption	$30,632 (+10.5%) Land $5,500 Building $25,132	$306,320 (+10.5%) Land $55,000 Building $251,320
2023	$2,784.00 (-27.06%) Homeowner's exemption	$27,721 (-) Land $5,500 Building $22,221	$277,210 (-) Land $55,000 Building $222,210
2022	$3,817.00	$27,721 Land $5,500 Building $22,221	$277,210 Land $55,000 Building $222,210

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

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 534 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	534 in force
Nearby Flood Claims	15 (2005–2024)
Claims Outside the SFHA	7 of 15
Most Recent Claim	Sep 2024 · Hurricane Francine
Claims by Event	Hurricane Ida, Aug 2021 · 6 claims

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	Low lower than 62% of the US · above 59% of Louisiana
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	CITY OF COVINGTON WATER SUPPLY serves 16,185 people · EPA ID LA1103011
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected May 2024
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, REV.

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