77405 Saint Joseph Rd, Covington, LA 70435 Property Records

St. Tammany Parish property record for 77405 Saint Joseph Rd, Covington, LA 70435

Property Summary

Property Type	Single Family Home
Details	1,926 sqft · built 2011
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$333,000 (Apr 2026)
Tax Bill	$2,075 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage May 2022 Mortgage + 2 more
APN	`107-012-3102`

Property Details

APN / Parcel Number

Primary APN	`107-012-3102`
Alternative APN	`25415`

Interior

Building Area	1,926 sqft Living Area
Gross Area	1,650 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Lot Area	43,560 sqft (1 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Storage Building	80 sqft

Location & Zoning

Street Address	77405 SAINT JOSEPH RD
City	COVINGTON
State	LA
Zip	70435-0416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 AC SEC 2 6 11
Legal Subdivision	ST JOSEPH RD
Jurisdiction	SAINT TAMMANY LA
Township / Civil Division	2
Census Block Group	1
Census Block	1033
Census Tract	40103

Owner

Source: St. Tammany Parish records, as of June 15, 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	77405 SAINT JOSEPH RD, COVINGTON, LA 70435-0416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed, Transfer · VA Mortgage USAA FSB
May 19, 2022	Deed of Trust, Mortgage · Commercial Mortgage RESOURCE BANK
Jan 30, 2023	Deed, Transfer · FHA Mortgage ACE MORTGAGE
May 19, 2022	Cash Sale Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2026 · Amount on Record
Deed Sale	Apr 2, 2026 · Amount on Record
Prior Sale	Jan 11, 2023
Deed Document Number	20262486837
Prior Transfer Date	Jan 10, 2023
Prior Transfer Doc	0000058882
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Apr 2, 2026
Property Address	77405 SAINT JOSEPH RD, COVINGTON, LA 70435-0416
Document Number	0002486837
Instrument Date	Apr 1, 2026
Instrument	2026.2486837
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	COMMERCE LAND TITLE, COMMERCE TITLE

Transaction

Amount	Amount Recorded
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	77405 SAINT JOSEPH RD, COVINGTON, LA 70435-0416

Mortgage

Document Number	0002486839,
Date	Apr 2, 2026
Instrument	2026.2486839

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT TAMMANY LA
Property Address	77405 SAINT JOSEPH RD, COVINGTON, LA 70435-0416
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002329094
Date	May 19, 2022
Instrument	2329094

Lender

Name	RESOURCE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	Jan 30, 2023
Property Address	77405 SAINT JOSEPH RD, COVINGTON, LA 70435-0416
Document Number	0002360701
Map Reference	DOC 2329092
Instrument Date	Jan 26, 2023
Instrument	2360701
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	PROVENANCE TITLE LLC

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	2 BEECH DR, COVINGTON, LA 70433-1113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77405 SAINT JOSEPH RD, COVINGTON, LA 70435-0416

Mortgage

Document Number	0002360703
Date	Jan 30, 2023
Instrument	2360703

Lender

Name	ACE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

May 2022: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	SAINT TAMMANY LA
Recording Date	May 19, 2022
Property Address	77405 SAINT JOSEPH RD, COVINGTON, LA 70435-0416
Document Number	0002329010
Instrument Date	May 19, 2022
Instrument	2329010
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	79104 BARKER RD, COVINGTON, LA 70435-9321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69380 FAIR OAKS LN, COVINGTON, LA 70433-6801
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Tammany Parish assessment roll, as of February 6, 2026

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	$2,075.00 (-3.8%) Homeowner's exemption	$25,996 (-) Land $2,500 Building $23,496	$259,963 (-) Land $25,000 Building $234,963
2024	$2,157.00 (+0.42%) Homeowner's exemption	$25,996 (+51.03%) Land $2,500 Building $23,496	$259,963 (+51.03%) Land $25,000 Building $234,963
2023	$2,148.00 (+71.7%)	$17,213 (+71.72%) Land $2,500 Building $14,713	$172,127 (+71.71%) Land $25,000 Building $147,127
2022	$1,251.00	$10,024 Land $2,500 Building $7,524	$100,240 Land $25,000 Building $75,240

Assessed value is set for property tax purposes, not a market price estimate; it is 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 51 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	22 (1980–2022)
Claims Outside the SFHA	20 of 22
Most Recent Claim	Apr 2022 · rainfall accumulation
Claims by Event	Hurricane Gustav, Sep 2008 · 2 claims Hurricane Katrina, Aug 2005 · 9 claims Tropical Storm Allison, Jun 2001 · 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	High above 72% of the US · above 92% of Louisiana
Wildfire Likelihood	0.3% 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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