821 S Main St, Covington, TN 38019 Property Records

Tipton County property record for 821 S Main St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,757 sqft · built 1953
Lot Size	0.552 acres (24,045 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Aug 2019)
Tax Bill	$1,435 (2022)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`084041K B 00800`

Property Details

APN / Parcel Number

Primary APN	`084041K B 00800`
Alternative APN	`041K B 00800`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,757 sqft Living Area
1st Floor Area	2,106 sqft
Upper Floors Area	1,085 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1975
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,045 sqft (0.552 acres)
Lot Dimensions	229 ft deep x 105 ft wide
Garage Type	Unfinished
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	487 sqft
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	821 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

821 S Main St is owned and occupied by an individual who acquired it in September 2025.

Source: Tipton County records, as of January 21, 2026

Owner of Record	Individual Name on File
Mailing Address	821 S MAIN ST, COVINGTON, TN 38019-3137
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

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Commercial Mortgage BANK OF BARTLETT
Oct 13, 2025	Quit Claim Deed, Transfer Quitclaim
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage BARTLETT MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2019 · Amount on File
Deed Sale	Aug 9, 2019 · Amount on File
Prior Sale	Jul 13, 1998 · Amount on File
Deed Document Number	2019225449
Deed Book / Page	1808 / 806
Last Transfer Date	Sep 18, 2025
Transfer Doc	0002099737
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	821 S MAIN ST, COVINGTON, TN 38019-3137
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002103192
Date	Nov 12, 2025
Book Page	2103/192
Instrument	287991

Lender

Name	BANK OF BARTLETT
Type	Bank
Address	6281 STAGE RD, BARTLETT, TN 38134

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2035

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIPTON TN
Recording Date	Oct 13, 2025
Property Address	821 S MAIN ST, COVINGTON, TN 38019-3137
Document Number	0002099737
Book / Page	2099 / 737
Instrument Date	Sep 18, 2025
Instrument	287288
Transaction Type	Transfer
Record Updated	Oct 22, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 S MAIN ST, COVINGTON, TN 38019-3137

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	821 S MAIN ST, COVINGTON, TN 38019-3137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1844812
Date	May 26, 2020
Book Page	1844/812
Instrument	233460

Lender

Name	BARTLETT MORTGAGE INC
Type	Mortgage Company
Address	MEMPHIS, TN 38134

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

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		$62,650 (-) Land $5,725 Building $56,925
2024		$62,650 (-) Land $5,725 Building $56,925
2023		$62,650 Land $5,725 Building $56,925
2022	$1,435.00
2020			$250,600 Land $22,900 Building $227,700

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 821 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 821 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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