983 Hwy 54 E, Covington, TN 38019 Property Records

Tipton County property record for 983 Hwy 54 E, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,779 sqft · built 1966
Lot Size	0.402 acres (17,520 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Oct 2022)
Tax Bill	$1,330 (2022)
Deeds & Mortgages	Oct 2022 Sale May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`084041D A 00400`

Property Details

APN / Parcel Number

Primary APN	`084041D A 00400`
Alternative APN	`041D A 00400`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,779 sqft Living Area
1st Floor Area	1,779 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	17,520 sqft (0.402 acres)
Lot Dimensions	146 ft deep x 120 ft wide
Terrain	Rolling
Garage Type	Carport
Garage Area	420 sqft
Carport	Carport
Carport Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	762 sqft
Patio Area	540 sqft
Utility Building	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	983 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	4
Jurisdiction	TIPTON TN
Township / Civil Division	2
Census Block Group	1
Census Block	1042
Census Tract	40602

Owner

Source: Tipton County records, as of March 25, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	983 HIGHWAY 54 E, COVINGTON, TN 38019-7105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2022	Warranty Deed, Transfer CLOSETRAK LLC
May 10, 2021	Warranty Deed, Transfer · VA Mortgage NEW DAY FINANCIAL LLC
May 10, 2021	Warranty Deed, Transfer · VA Mortgage NEW DAY FINANCIAL LLC
Jul 30, 2019	Warranty Deed, Transfer BANK OF RIPLEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2022 · Amount on Record
Deed Sale	Oct 10, 2022 · Amount on Record
Prior Sale	May 10, 2021 · Amount on Record
Deed Document Number	2022261142
Deed Book / Page	1977 / 946
Prior Transfer Date	Aug 10, 2016
Prior Transfer Doc	0001695310
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Oct 10, 2022
Property Address	983 HIGHWAY 54 E, COVINGTON, TN 38019-7105
Document Number	0001977946
Book / Page	1977 / 946
Map Reference	MB 1 PG 7
Instrument Date	Oct 5, 2022
Instrument	261142
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	CLOSETRAK LLC

Transaction

Amount	Amount Recorded
Tax	$906.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	983 HIGHWAY 54 E, COVINGTON, TN 38019-7105
Investor	Possibly a Property Investor

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	May 10, 2021
Property Address	983 HIGHWAY 54 E, COVINGTON, TN 38019-7105
Document Number	1900250
Book / Page	1900 / 250
Map Reference	MB I PG 7
Instrument Date	May 7, 2021
Instrument	244735
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$747.48
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	983 HIGHWAY 54 E, COVINGTON, TN 38019-7105

Mortgage

Document Number	244736
Date	May 10, 2021
Instrument	244736

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	May 10, 2021
Property Address	983 HIGHWAY 54 E, COVINGTON, TN 38019-7105
Document Number	0001900250
Book / Page	1900 / 250
Map Reference	MB I PG 7
Instrument Date	May 7, 2021
Instrument	244735
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$747.48
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	983 HIGHWAY 54 E, COVINGTON, TN 38019-7105

Mortgage

Document Number	0000244736
Date	May 10, 2021
Instrument	244736

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TIPTON TN
Recording Date	Jul 30, 2019
Property Address	983 HIGHWAY 54 E, COVINGTON, TN 38019-7105
Document Number	1807458
Book / Page	001807 / 000458
Instrument Date	Jul 29, 2019
Instrument	225127
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$906.50
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 W COURT SQ COVINGTON TN 38019, COVINGTON, TN 38019

Mortgage

Document Number	1807460
Date	Jul 30, 2019
Book Page	001807/000460
Instrument	225128

Lender

Name	BANK OF RIPLEY
Type	Bank
Address	COVINGTON, TN 38019

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Jul 29, 2022

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		$58,000 (-) Land $5,300 Building $52,700
2023		$58,000 Land $5,300 Building $52,700
2022	$1,330.00
2020			$232,000 Land $21,200 Building $210,800

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
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

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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