805 S Main St, Covington, TN 38019 Property Records

Tipton County property record for 805 S Main St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,976 sqft · built 1900
Lot Size	0.35 acres (15,210 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Jun 2024)
Tax Bill	$684 (2022)
Deeds & Mortgages	Jun 2024 Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`084041K B 00600`

Property Details

APN / Parcel Number

Primary APN	`084041K B 00600`
Alternative APN	`041K B 00600`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,976 sqft Living Area
1st Floor Area	1,520 sqft
Upper Floors Area	1,520 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1988
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,210 sqft (0.35 acres)
Lot Dimensions	195 ft deep x 78 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	112 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	805 S MAIN ST
City	COVINGTON
State	TN
Zip	38019-3137
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	5012
Census Tract	40700

Owner

805 S Main St is owned and occupied by two individuals who bought it in June 2024.

Source: Tipton County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	805 S MAIN ST, COVINGTON, TN 38019-3137
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Date	Document
Jun 12, 2024	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 16, 2021	Warranty Deed, Transfer · Commercial Mortgage CITIZENS SAVINGS BANK & TRUST CO
Apr 16, 2021	Warranty Deed, Transfer · Commercial Mortgage CITIZENS SAVINGS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2024 · Amount on File
Deed Sale	Jun 12, 2024 · Amount on File
Prior Sale	Apr 16, 2021 · Amount on File
Deed Document Number	2024275190
Deed Book / Page	2041 / 648
Record Updated	Oct 29, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jun 12, 2024
Property Address	805 S MAIN ST, COVINGTON, TN 38019-3137
Document Number	0002041648
Book / Page	2041 / 648
Instrument Date	Jun 3, 2024
Instrument	275190
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	BELL LAW SETTLEMENT SERVICES LLC, BELL LAW SETTLEMENT SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000275191
Date	Jun 12, 2024
Instrument	275191

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Apr 16, 2021
Property Address	805 S MAIN ST, COVINGTON, TN 38019-3137
Document Number	0000189672
Book / Page	1896 / 72
Instrument Date	Apr 5, 2021
Instrument	243834
Transaction Type	Transfer
Record Updated	Jul 1, 2022
Title Company	PROVIDENCE TITLE, PROVIDENCE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$277.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 2ND AVE N, NASHVILLE, TN 37201-1601

Mortgage

Document Number	0000243835
Date	Apr 16, 2021
Instrument	243835

Lender

Name	CITIZENS SAVINGS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	5 Months
Due	Sep 26, 2021

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Apr 16, 2021
Property Address	805 S MAIN ST, COVINGTON, TN 38019-3137
Document Number	0000189672
Book / Page	1896 / 72
Instrument Date	Apr 5, 2021
Instrument	243834
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	PROVENANCE TITLE LLC, PROVIDENCE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$277.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 2ND AVE N, NASHVILLE, TN 37201-1601

Mortgage

Document Number	0000243835
Date	Apr 16, 2021
Instrument	243835

Lender

Name	CITIZENS SAVINGS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	5 Months
Due	Sep 26, 2021

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		$48,775 Land $4,800 Building $43,975
2023		$29,050 Land $4,800 Building $24,250
2022	$684.00
2020			$195,100 Land $19,200 Building $175,900

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 805 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 805 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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