726 S Main St, Covington, TN 38019 Property Records

Tipton County property record for 726 S Main St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	3 ba · 4,132 sqft · built 1890
Lot Size	0.431 acres (18,787 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Sep 2026)
Tax Bill	$1,510 (2022)
Deeds & Mortgages	Sep 2026 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`084041F M 02700`

Property Details

APN / Parcel Number

Primary APN	`084041F M 02700`
Alternative APN	`041F M 02700`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	4,132 sqft Living Area
1st Floor Area	2,106 sqft
Upper Floors Area	2,026 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1962
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,787 sqft (0.431 acres)
Lot Dimensions	164 ft deep x 100 ft wide

Exterior Amenities

Porch	Slab
Porch Area	768 sqft
Patio Area	96 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	726 S MAIN ST
City	COVINGTON
State	TN
Zip	38019-2826
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	5
Census Block	5003
Census Tract	40700

Owner

726 S Main St is owned and occupied by an individual who bought it in September 2026.

Source: Tipton County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	726 S MAIN ST, COVINGTON, TN 38019-2826
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2026 · Amount on File
Deed Sale	Sep 28, 2026 · Amount on File
Prior Sale	Mar 8, 2004 · Amount on File
Deed Document Number	2026296090
Deed Book / Page	2142 / 269
Transfer Doc	0862000319
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Sep 28, 2026
Property Address	726 S MAIN ST, COVINGTON, TN 38019-2826
Document Number	0000296090
Book / Page	2142 / 269
Instrument Date	Sep 23, 2026
Instrument	2026296090
Transaction Type	Construction Loan
Record Updated	Oct 6, 2026
Title Company	TITAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,055.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 S MAIN ST, COVINGTON, TN 38019-2826

Mortgage

Document Number	0000296091,
Date	Sep 28, 2026
Instrument	2026296091

Lender

Name	CAPITAL INVESTMENTS L L C

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 23, 2027

Interest

Max Rate	-1%

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		$65,900 Land $5,775 Building $60,125
2023		$65,900 (+43.18%) Land $5,775 Building $60,125
2022	$1,510.00	$46,025 Land $4,250 Building $41,775	$184,100 Land $17,000 Building $167,100
2020			$263,600 Land $23,100 Building $240,500

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 726 S Main St in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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

Wildfire risk around 726 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 96% of the US · lower than 96% 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.

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 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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