831 S Main St, Covington, TN 38019 Property Records

Tipton County property record for 831 S Main St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,542 sqft · built 1949
Lot Size	0.767 acres (33,434 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Feb 2024)
Tax Bill	$2,778 (2022)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`084041K B 00900`

Property Details

APN / Parcel Number

Primary APN	`084041K B 00900`
Alternative APN	`041K B 00900`

Interior

Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,542 sqft Living Area
1st Floor Area	2,458 sqft
Upper Floors Area	1,806 sqft
Interior Walls	Plaster
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,434 sqft (0.767 acres)
Lot Dimensions	229 ft deep x 146 ft wide
Garage Type	Mixed
Garage Area	380 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	340 sqft
Patio Area	195 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	831 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

Source: Tipton County records, as of January 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	831 S MAIN ST, COVINGTON, TN 38019-3137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2024	Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC
Jan 28, 2019	Quit Claim Deed, Transfer QUICKEN LNS
Jul 12, 2018	Warranty Deed, Transfer · Line of Credit BANK OF RIPLEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2024 · Amount on Record
Deed Sale	Feb 15, 2024 · Amount on Record
Prior Sale	Jan 28, 2019
Deed Document Number	272432
Deed Book / Page	2029 / 17
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Feb 15, 2024
Property Address	831 S MAIN ST, COVINGTON, TN 38019-3137
Document Number	0000202917
Book / Page	2029 / 17
Instrument Date	Feb 2, 2024
Instrument	272432
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 S MAIN ST, COVINGTON, TN 38019-3137

Mortgage

Document Number	0000272433
Date	Feb 15, 2024
Instrument	272433

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TIPTON TN
Recording Date	Jan 28, 2019
Property Address	831 S MAIN ST, COVINGTON, TN 38019-3137
Document Number	1786632
Book / Page	001786 / 000632
Instrument Date	Jan 9, 2019
Instrument	220311
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	831 S MAIN ST COVINGTON TN 380193137, COVINGTON, TN 38019-3137

Mortgage

Document Number	1786638
Date	Jan 28, 2019
Book Page	001786/000638
Instrument	220312

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jul 12, 2018
Property Address	831 S MAIN ST, COVINGTON, TN 38019-3137
Document Number	1766412
Book / Page	001766 / 000412
Instrument Date	Jul 11, 2018
Instrument	215271
Transaction Type	Transfer
Record Updated	Jul 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$712.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4135 HIGHWAY 54 E COVINGTON TN 380197156, COVINGTON, TN 38019-7156

Mortgage

Document Number	1766415
Date	Jul 12, 2018
Book Page	001766/000415
Instrument	215272

Lender

Name	BANK OF RIPLEY
Type	Bank
Address	RIPLEY, TN 38063

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 11, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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		$121,375 (-) Land $7,950 Building $113,425
2023		$121,375 (+43.38%) Land $7,950 Building $113,425
2022	$2,778.00	$84,650 Land $5,850 Building $78,800	$338,600 (-30.26%) Land $23,400 Building $315,200
2020			$485,500 Land $31,800 Building $453,700

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

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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