824 S Main St, Covington, TN 38019 Property Records

Tipton County property record for 824 S Main St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,404 sqft · built 1918
Lot Size	0.39 acres (17,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (May 2024)
Tax Bill	$986 (2022)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084041K C 02600`

Property Details

APN / Parcel Number

Primary APN	`084041K C 02600`
Alternative APN	`041K C 02600`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,404 sqft Living Area
1st Floor Area	1,849 sqft
Upper Floors Area	1,849 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1968
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,000 sqft (0.39 acres)
Lot Dimensions	170 ft deep x 100 ft wide

Exterior Amenities

Porch	Slab
Porch Area	500 sqft
Patio Area	360 sqft
Utility Building	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	824 S MAIN ST
City	COVINGTON
State	TN
Zip	38019-3138
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	5014
Census Tract	40700

Owner

Source: Tipton County records, as of September 29, 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	824 S MAIN ST, COVINGTON, TN 38019-3138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Feb 25, 2021	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2024 · Amount on Record
Deed Sale	May 16, 2024 · Amount on Record
Prior Sale	Feb 25, 2021 · Amount on Record
Deed Document Number	2024274592
Deed Book / Page	2038 / 859
Prior Transfer Date	Apr 23, 2015
Prior Transfer Doc	0001652486
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Recording Date	Sep 21, 2026
Property Address	824 S MAIN ST, COVINGTON, TN 38019-3138
Document Number	0000295927
Book / Page	2141 / 444
Instrument Date	Sep 12, 2026
Instrument	2026295927
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	E RECORDING PARTNERS NETWORK

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 S MAIN ST, COVINGTON, TN 38019-3138

Mortgage

Document Number	0000295927,
Date	Sep 21, 2026
Book Page	2141/444
Instrument	2026295927

Lender

Name	LENDAGE LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Feb 25, 2021
Property Address	824 S MAIN ST, COVINGTON, TN 38019-3138
Document Number	0001886352
Book / Page	1886 / 352
Instrument Date	Feb 24, 2021
Instrument	241917
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$314.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 S MAIN ST, COVINGTON, TN 38019-3138

Mortgage

Document Number	0000241918
Date	Feb 25, 2021
Instrument	241918

Lender

Name	COMMUNITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$42,875 (-) Land $5,000 Building $37,875
2023		$42,875 Land $5,000 Building $37,875
2022	$986.00
2020			$171,500 Land $20,000 Building $151,500

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

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

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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