St. Tammany Parish property record for 851 River Oaks Dr, Covington, LA 70433
| Property Type | Single Family Home |
|---|---|
| Details | 3,535 sqft · built 2004 |
| Owner | Individual Name on Record |
| Last Sale | $392,591 (Sep 2022) |
| Tax Bill | $5,074 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage |
| APN | 112-140-2060 |
| Primary APN | 112-140-2060 |
|---|---|
| Alternative APN |
|
| Building Area | 3,535 sqft Living Area |
|---|---|
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 112-140-2060 |
|---|---|
| Street Address | 851 RIVER OAKS DR |
| City | COVINGTON |
| State | LA |
| Zip | 70433-5062 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER OAKS LT276 PH5 |
| Legal Subdivision | RIVER OAKS ESTATES |
| Legal Phase | 5 |
| Legal Lot Number | 276 |
| Jurisdiction | SAINT TAMMANY LA |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 40607 |
Source: St. Tammany Parish records, as of February 5, 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 |
|---|---|
| Mailing Address | 851 RIVER OAKS DR, COVINGTON, LA 70433-5062 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 13, 2022 · Amount on Record |
| Deed Sale | Sep 13, 2022 · Amount on Record |
| Deed Document Number | 2345795 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT TAMMANY LA |
| Property Address | 851 RIVER OAKS DR, COVINGTON, LA 70433-5062 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|
| Document Number | 0002348663 |
|---|---|
| Date | Oct 5, 2022 |
| Instrument | 2348663 |
| Name | HOME BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 6.5% |
| Index | Other |
| Max Rate | 9.5% |
Source: St. Tammany Parish assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Louisiana |
| County | St. Tammany Parish |
| Unified School District | St. Tammany Parish School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,074.00 (-3.55%) Homeowner's exemption | $49,805 (-) Land $5,800 Building $44,005 | $498,045 (-) Land $58,000 Building $440,045 |
| 2024 | $5,261.00 (+14.79%) Homeowner's exemption | $49,805 (+18.36%) Land $5,800 Building $44,005 | $498,045 (+18.35%) Land $58,000 Building $440,045 |
| 2023 | $4,583.00 Homeowner's exemption | $42,081 (-) Land $5,800 Building $36,281 | $420,810 (-) Land $58,000 Building $362,810 |
| 2022 | $4,583.00 Homeowner's exemption | $42,081 Land $5,800 Building $36,281 | $420,810 Land $58,000 Building $362,810 |
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.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 258 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 258 in force |
| Nearby Flood Claims | 112 (1995–2024) |
| Claims Outside the SFHA | 3 of 112 |
| Most Recent Claim | Sep 2024 · Hurricane Francine |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 55% of Louisiana |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | UTILITIES INC - NORTH PARK WATER SUPPLY private · serves 11,298 people · EPA ID LA1103124 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Metronet Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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