963 Hwy 54 E, Covington, TN 38019 Property Records

Tipton County property record for 963 Hwy 54 E, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,337 sqft · built 1970
Lot Size	0.402 acres (17,500 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Apr 2026)
Tax Bill	$632 (2022)
Deeds & Mortgages	Apr 2026 Sale & Line of Credit Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084041D A 00300`

Property Details

APN / Parcel Number

Primary APN	`084041D A 00300`
Alternative APN	`041D A 00300`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,337 sqft Living Area
1st Floor Area	1,337 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1985
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,500 sqft (0.402 acres)
Lot Dimensions	125 ft deep x 140 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	963 HIGHWAY 54 E
City	COVINGTON
State	TN
Zip	38019-7105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C49
Legal Subdivision	OVERALL ACRES
Legal Lot Number	3
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	1
Census Block	1042
Census Tract	40602

Owner

963 Hwy 54 E is owned and occupied by an individual who bought it in April 2026.

Source: Tipton County records, as of April 13, 2026

Owner of Record	Individual Name on File
Mailing Address	963 HIGHWAY 54 E, COVINGTON, TN 38019-7105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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 6, 2026	Warranty Deed, Transfer · Line of Credit INDEPENDENT BANK
Nov 23, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on File
Deed Sale	Apr 6, 2026 · Amount on File
Prior Sale	Nov 23, 2021 · Amount on File
Deed Document Number	2026291356
Deed Book / Page	2119 / 196
Record Updated	Jun 8, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Apr 6, 2026
Property Address	963 HIGHWAY 54 E, COVINGTON, TN 38019-7105
Document Number	0000291356
Book / Page	2119 / 196
Instrument Date	Apr 2, 2026
Instrument	2026291356
Transaction Type	Transfer
Record Updated	Apr 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,030.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	963 HIGHWAY 54 E, COVINGTON, TN 38019-7105

Mortgage

Document Number	0000291357,
Date	Apr 6, 2026
Instrument	2026291357

Lender

Name	INDEPENDENT BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Nov 23, 2021
Property Address	963 HIGHWAY 54 E, COVINGTON, TN 38019-7105
Document Number	1934725
Book / Page	1934 / 725
Map Reference	MB 1 PG 7
Instrument Date	Nov 22, 2021
Instrument	251704
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$269.18
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	963 HIGHWAY 54 E, COVINGTON, TN 38019-7105

Mortgage

Document Number	251705
Date	Nov 23, 2021
Instrument	251705

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 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		$27,375 Land $5,300 Building $22,075
2023		$27,375 Land $5,300 Building $22,075
2022	$632.00
2020			$109,500 Land $21,200 Building $88,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 963 Hwy 54 E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2010–2025)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2025 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 claims

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 963 Hwy 54 E 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 99.1% of the US · lower than 99.2% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Aeneas Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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