731 N Main St, Covington, TN 38019 Property Records

Tipton County property record for 731 N Main St, Covington, TN 38019

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1.5 ba · 6,748 sqft · built 1985
Lot Size	0.48 acres (20,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,900 (Mar 2022)
Tax Bill	$2,629 (2022)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084025K A 00302`

Property Details

APN / Parcel Number

Primary APN	`084025K A 00302`
Alternative APN	`025K A 00302`

Interior

Full Baths	1.5 Baths
Stories	1 Story
Building Area	6,748 sqft Total Area
1st Floor Area	6,000 sqft
Flooring	Concrete/Cement
Interior Walls	Unfinished

Exterior

Year Built	Built 1985
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,930 sqft (0.48 acres)
Lot Dimensions	161 ft deep x 130 ft wide
Porch	Open Porch
Porch Area	748 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	731 N MAIN ST
City	COVINGTON
State	TN
Zip	38019-2042
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	DISTRICT: 01, COUNTY AREA: C70
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1002
Census Tract	40700

Owner

Source: Tipton County records, as of January 20, 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	3600 RAY BLUFF RD, MILLINGTON, TN 38053-0234
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2022 · Amount on Record
Deed Sale	Mar 23, 2022 · Amount on Record
Deed Document Number	0001951999
Deed Book / Page	1455 / 851
Prior Transfer Date	Oct 23, 2009
Prior Transfer Doc	0001455851
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Mar 25, 2022
Property Address	731 N MAIN ST, COVINGTON, TN 38019-2042
Document Number	0001951999
Book / Page	1951 / 999
Instrument Date	Mar 23, 2022
Instrument	255354
Transaction Type	Transfer
Record Updated	Apr 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$517.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3600 RAY BLUFF RD, MILLINGTON, TN 38053-0234

Mortgage

Document Number	0000255355
Date	Mar 25, 2022
Instrument	255355

Lender

Name	PATRIOT BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 10, 2027

Tax Assessment & Valuation

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

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		$83,840 (-) Land $27,000 Building $56,840
2023		$83,840 Land $27,000 Building $56,840
2022	$2,629.00
2020			$209,600 Land $67,500 Building $142,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	12 (1988–2025)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 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	Not rated no burnable land within 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 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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