7974 Mount Carmel Rd, Covington, TN 38019 Property Records

Tipton County property record for 7974 Mount Carmel Rd, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,536 sqft · built 1948
Lot Size	1.66 acres (72,310 sqft)
Owner	Individual Name on File
Last Sale	$82,125 (Jan 2011)
Tax Bill	$1,001 (2025)
Deeds & Mortgages	Nov 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`084108 01400`

Property Details

APN / Parcel Number

Primary APN	`084108 01400`
Alternative APN	`108 01400`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,536 sqft Living Area
1st Floor Area	2,032 sqft
Upper Floors Area	1,680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1988
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	72,310 sqft (1.66 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,904 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	88 sqft
Patio Area	345 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7974 MT CARMEL RD
City	COVINGTON
State	TN
Zip	38019-7649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 08, COUNTY AREA: C62
Jurisdiction	TIPTON TN
Township / Civil Division	7
Census Block Group	3
Census Block	3000
Census Tract	40800

Owner

7974 Mount Carmel Rd is owned and occupied by an individual who bought it in January 2011.

Source: Tipton County records, as of January 19, 2026

Owner of Record	Individual Name on File
Mailing Address	7974 MT CARMEL RD, COVINGTON, TN 38019-7649
Occupancy	Owner Occupied
Owner Type	Individual

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	Jan 12, 2011 · Amount on File
Deed Sale	Jan 12, 2011 · Amount on File
Prior Sale	Nov 16, 2010 · Amount on File
Deed Document Number	0000150392
Deed Book / Page	1503 / 92
Record Updated	Jun 8, 2026

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	TIPTON TN
Property Address	7974 MT CARMEL RD, COVINGTON, TN 38019-7649
Document Number	1871371
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7974 MT CARMEL RD COVINGTON TN 380197649, COVINGTON, TN 38019-7649

Mortgage

Document Number	1871371
Date	Nov 18, 2020
Book Page	001871/000371
Instrument	239021

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2050

Interest

Rate	3.37%

Tax Assessment & Valuation

The 2025 property tax bill for 7974 Mount Carmel Rd was $1,001.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Tipton County
Unified School District	Tipton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,001.00	$65,775 Land $11,025 Building $54,750
2023		$65,775 (+89.28%) Land $11,025 Building $54,750
2022	$709.00	$34,750 Land $8,100 Building $26,650	$139,000 Land $32,400 Building $106,600
2020			$263,100 Land $44,100 Building $219,000

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 7974 Mount Carmel Rd 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 7974 Mount Carmel Rd is low, with 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	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	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

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Aeneas Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Xfinity.

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