Tipton County property record for 7394 Mount Carmel Rd, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,770 sqft · built 1996 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $228,000 (May 2019) |
| Tax Bill | $1,324 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084099 02414 |
| Primary APN | 084099 02414 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,770 sqft Living Area |
| 1st Floor Area | 2,770 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 389 ft deep x 116 ft wide |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 118 sqft |
| Patio Area | 294 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 7394 MT CARMEL RD |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-7640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 08, COUNTY AREA: C24 |
| Legal Subdivision | JAMESLAND SEC A |
| Legal Lot Number | 11 116 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 40800 |
Source: Tipton County records, as of January 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 7394 MT CARMEL RD, COVINGTON, TN 38019-7640 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO |
| Jul 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PATRIOT BANK |
| Jan 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage GUILD MTG |
| Nov 30, 2017 | Loan Modification, Mortgage · Line of Credit PATRIOT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2019 · Amount on Record |
| Deed Sale | May 24, 2019 · Amount on Record |
| Deed Document Number | 223355 |
| Deed Book / Page | 1799 / 469 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 7394 MT CARMEL RD, COVINGTON, TN 38019-7640 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1905447 |
|---|---|
| Date | Jun 9, 2021 |
| Book Page | 1905/447 |
| Instrument | 245826 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 7394 MT CARMEL RD, COVINGTON, TN 38019-7640 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1727937 |
|---|---|
| Date | Jul 13, 2017 |
| Book Page | 1727/937 |
| Instrument | 205726 |
| Name | PATRIOT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 204 Months |
| Due | Jul 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 7394 MT CARMEL RD, COVINGTON, TN 38019-7640 |
| Document Number | 1829665 |
| Instrument Date | Jan 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7394 MT CARMEL RD COVINGTON TN 380197640, COVINGTON, TN 38019-7640 |
| Document Number | 1829665 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 001829/000665 |
| Instrument | 230187 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 7394 MT CARMEL RD, COVINGTON, TN 38019-7640 |
| Document Number | 1747820 |
| Instrument Date | Nov 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | 7394 MT CARMEL RD COVINGTON TN 380197640, COVINGTON, TN 38019-7640 |
| Document Number | 1747820 |
|---|---|
| Date | Jan 30, 2018 |
| Book Page | 001747/000820 |
| Instrument | 210919 |
| Name | PATRIOT BK |
|---|---|
| Type | Bank |
| Address | COVINGTON, TN 38019 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 29, 2033 |
| Rate Type | Adjustable Rate |
|---|
Source: Tipton County assessment roll, as of May 20, 2025
| 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 | $1,324.00 (+6.17%) | $87,000 (-) Land $8,175 Building $78,825 | |
| 2023 | $87,000 Land $8,175 Building $78,825 | ||
| 2022 | $1,247.00 | ||
| 2020 | $348,000 Land $32,700 Building $315,300 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
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 95% of the US · lower than 96% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | POPLAR GROVE UTILITY DISTRICT serves 19,599 people · EPA ID TN0000201 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | 4 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 40 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 |
| Verizon Fixed Wireless | 300 / 20 |
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