940 S Main St, Covington, TN 38019 Property Records

Tipton County property record for 940 S Main St, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 806 sqft · built 1948
Lot Size	0.223 acres (9,720 sqft)
Owner	Individual Name on Record
Last Sale	$73,000 (Jun 2023)
Tax Bill	$423 (2022)
Deeds & Mortgages	Aug 2023 Line of Credit Jul 2023 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`084041K C 02000`

Property Details

APN / Parcel Number

Primary APN	`084041K C 02000`
Alternative APN	`041K C 02000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	806 sqft Living Area
1st Floor Area	806 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,720 sqft (0.223 acres)
Lot Dimensions	162 ft deep x 60 ft wide
Porch	Slab
Porch Area	46 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	940 S MAIN ST
City	COVINGTON
State	TN
Zip	38019-3140
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	5007
Census Tract	40700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	940 S MAIN ST, COVINGTON, TN 38019-3140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF RIPLEY
Jul 10, 2023	Deed, Transfer
Sep 18, 2023	Intrafamily Transfer, Transfer
Jun 9, 2023	Warranty Deed, Transfer
Mar 28, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF RIPLEY
Sep 3, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF RIPLEY
Jun 15, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2023 · Amount on Record
Deed Sale	Jun 9, 2023 · Amount on Record
Prior Sale	Jun 15, 2021 · Amount on Record
Deed Document Number	2023266743
Deed Book / Page	2002 / 340
Last Transfer Date	Jul 7, 2023
Transfer Doc	0002014131
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	940 S MAIN ST, COVINGTON, TN 38019-3140
Transaction Type	Mortgage
Record Updated	Sep 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 SHOAF RD, COVINGTON, TN 38019-8049

Mortgage

Document Number	0002011492
Date	Aug 25, 2023
Book Page	2011/492
Instrument	268695

Lender

Name	BANK OF RIPLEY
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	Oct 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	TIPTON TN
Recording Date	Jul 10, 2023
Property Address	940 S MAIN ST, COVINGTON, TN 38019-3140
Document Number	0020051002
Book / Page	2005 / 1002
Instrument Date	Jul 7, 2023
Instrument	267490
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 S MAIN ST, COVINGTON, TN 38019-3140

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TIPTON TN
Recording Date	Sep 18, 2023
Property Address	940 S MAIN ST, COVINGTON, TN 38019-3140
Document Number	0002014131
Book / Page	2014 / 131
Instrument Date	Jul 7, 2023
Instrument	269232
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 S MAIN ST, COVINGTON, TN 38019-3140

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jun 9, 2023
Property Address	940 S MAIN ST, COVINGTON, TN 38019-3140
Document Number	0002002340
Book / Page	2002 / 340
Instrument Date	May 30, 2023
Instrument	266743
Transaction Type	Transfer
Record Updated	Jun 20, 2023

Transaction

Amount	Amount Recorded
Tax	$270.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2180 MAPLE DR, ATOKA, TN 38004-7122

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	940 S MAIN ST, COVINGTON, TN 38019-3140
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 S MAIN ST, COVINGTON, TN 38019-3140

Mortgage

Document Number	0000195238
Date	Mar 28, 2022
Book Page	1952/38
Instrument	255393

Lender

Name	BANK OF RIPLEY
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 22, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	940 S MAIN ST, COVINGTON, TN 38019-3140
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 S MAIN ST, COVINGTON, TN 38019-3140

Mortgage

Document Number	1920653
Date	Sep 3, 2021
Book Page	1920/653
Instrument	248895

Lender

Name	BANK OF RIPLEY
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 22, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jun 15, 2021
Property Address	940 S MAIN ST, COVINGTON, TN 38019-3140
Document Number	1906383
Book / Page	1906 / 383
Instrument Date	Jun 14, 2021
Instrument	246022
Transaction Type	Transfer
Record Updated	Jun 30, 2021

Transaction

Amount	Amount Recorded
Tax	$185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 WEBB ST, ATOKA, TN 38004-4801

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		$20,950 (-) Land $2,950 Building $18,000
2023		$20,950 (+62.4%) Land $2,950 Building $18,000
2022	$423.00	$12,900 Land $2,175 Building $10,725	$51,600 (-38.42%) Land $8,700 Building $42,900
2020			$83,800 Land $11,800 Building $72,000

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	Not rated no burnable land within 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Aeneas Communications, Verizon.

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