840 S Main St, Covington, TN 38019 Property Records

Tipton County property record for 840 S Main St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,092 sqft · built 1943
Lot Size	0.17 acres (7,384 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Dec 2023)
Tax Bill	$645 (2022)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`084041K C 02400`

Property Details

APN / Parcel Number

Primary APN	`084041K C 02400`
Alternative APN	`041K C 02400`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Flooring	Softwood
Interior Walls	Paneling

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1992
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,384 sqft (0.17 acres)
Lot Dimensions	170 ft deep x 83 ft wide
Porch	Slab
Porch Area	136 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	840 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
Legal Subdivision	BOYCE ADDITION
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	5
Census Block	5014
Census Tract	40700

Owner

840 S Main St is owned and occupied by an individual who bought it in December 2023.

Source: Tipton County records, as of May 6, 2026

Owner of Record	Individual Name on File
Mailing Address	840 S MAIN ST, COVINGTON, TN 38019-3138
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
Apr 29, 2026	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Dec 8, 2023	Warranty Deed, Transfer · FHA Mortgage COMMUNITY MORTGAGE CORP
Aug 14, 2023	Deed of Trust, Mortgage · Line of Credit FEDEX EMPLOYEES CREDIT ASSN FCU
Dec 17, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICE CO
Oct 30, 2018	Warranty Deed, Transfer MORTGAGE INVTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2023 · Amount on File
Deed Sale	Dec 8, 2023 · Amount on File
Prior Sale	Dec 17, 2020 · Amount on File
Deed Document Number	2023271107
Deed Book / Page	2022 / 951
Prior Transfer Date	May 28, 2014
Prior Transfer Doc	0001624798
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Recording Date	Apr 29, 2026
Property Address	840 S MAIN ST, COVINGTON, TN 38019-3138
Document Number	0000291963
Book / Page	2122 / 524
Instrument Date	Apr 20, 2026
Instrument	2026291963
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 S MAIN ST, COVINGTON, TN 38019-3138

Mortgage

Document Number	0000291963,
Date	Apr 29, 2026
Book Page	2122/524
Instrument	2026291963

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Dec 8, 2023
Property Address	840 S MAIN ST, COVINGTON, TN 38019-3138
Document Number	0002022951
Book / Page	2022 / 951
Map Reference	MB 240 PG 38
Instrument Date	Nov 22, 2023
Instrument	271107
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 S MAIN ST, COVINGTON, TN 38019-3138

Mortgage

Document Number	0000271108
Date	Dec 8, 2023
Instrument	271108

Lender

Name	COMMUNITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	840 S MAIN ST, COVINGTON, TN 38019-3138
Transaction Type	Mortgage
Record Updated	Aug 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 S MAIN ST, COVINGTON, TN 38019-3138

Mortgage

Document Number	0000201087
Date	Aug 14, 2023
Book Page	2010/87
Instrument	268430

Lender

Name	FEDEX EMPLOYEES CREDIT ASSN FCU
Type	Credit Union
Address	MEMPHIS, TN 38132

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 13, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Dec 17, 2020
Property Address	840 S MAIN ST, COVINGTON, TN 38019-3138
Document Number	0001875848
Book / Page	1875 / 848
Instrument Date	Dec 16, 2020
Instrument	239878
Transaction Type	Transfer
Record Updated	Jul 1, 2022
Title Company	REALTY TITLE & ESCROW CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 S MAIN ST, COVINGTON, TN 38019-3138

Mortgage

Document Number	0000239879
Date	Dec 17, 2020
Instrument	239879

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Oct 30, 2018
Property Address	840 S MAIN ST, COVINGTON, TN 38019-3138
Document Number	1778620
Book / Page	001778 / 000620
Instrument Date	Oct 18, 2018
Instrument	218297
Transaction Type	Transfer
Record Updated	Nov 15, 2018
Title Company	MEMPHIS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.95
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 S MAIN ST COVINGTON TN 380193138, COVINGTON, TN 38019-3138

Mortgage

Document Number	1778622
Date	Oct 30, 2018
Book Page	001778/000622
Instrument	218298

Lender

Name	MORTGAGE INVTRS
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2048

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		$28,100 Land $3,325 Building $24,775
2023		$28,100 (+42.82%) Land $3,325 Building $24,775
2022	$645.00	$19,675 Land $2,450 Building $17,225	$78,700 Land $9,800 Building $68,900
2020			$112,400 Land $13,300 Building $99,100

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 840 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 840 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.

Nearby Properties on S Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures