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Single Family ResidenceResidential
$132,683$138 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

109 UNION ST

COVINGTON, IN 47932
2
Beds
1
Baths
960 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3,724 ft²
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$133K
$119K low$146K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$338 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$78,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$62,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$70,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$78,800

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
34
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
78
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
78
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
27
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyFOUNTAIN
Lot (acres)The size of the land the home sits on, from county records.0.09
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Covington Community High SchoolA+
High · Grades 9–12 · 0.6 mi
M
Covington Middle SchoolB
Middle · Grades 6–8 · 0.6 mi
E
Covington Elementary SchoolA-
Elementary · Grades PK–5 · 0.7 mi

District: Covington Community School Corporation

Neighborhood · ZIP 47932These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.48

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.5,280
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.47 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,578
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,003
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Union St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 88% of homes in Covington 47932
  • Costs more per square foot than 66% of homes in Fountain County
  • Smaller than 90% of homes in Covington 47932
  • Among the smallest lots in Covington 47932

What homes are worth in Covington 47932

Each bar is how many homes fall in that price range. The marker is this home.

This home
$85K$617K

This home is worth more than 12% of homes in Covington 47932.

How it measures up in Covington 47932

The dot is this home. The mark in the middle is the typical home in Covington 47932.

Estimated value$132,683
CheaperTypical $226,186Pricier

Pricier than 12% of homes nearby

Price per ft²$138
CheaperTypical $141Pricier

Pricier than 46% of homes nearby

Living area960 ft²
SmallerTypical 1,662 ft²Bigger

Bigger than 10% of homes nearby

Lot size3,724 ft²
SmallerTypical 0.66 acBigger

Smaller than almost all homes nearby

Year built1980
OlderTypical 1976Newer

Newer than 61% of homes nearby

How 109 Union St ranks against every home in each area.
MeasureThis homeCovington 47932Fountain County
Estimated valuepricier than$132,68312% of homes28% of homes
Price per ft²pricier than$13846% of homes66% of homes
Living areabigger than960 ft²10% of homes13% of homes
Lot sizebigger than3,724 ft²almost no homesalmost no homes
Year builtnewer than198061% of homes62% of homes

About 109 Union St

How much is 109 Union St, Covington, IN worth?

The TopHap Estimate for 109 Union St, Covington, IN is $132,683 as of Sep 24, 2026. The likely range is $119,398 to $145,968. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Union St, Covington, IN last sell?

109 Union St, Covington, IN last sold on Jun 20, 2018, according to the county's recorded deed.

How big is 109 Union St, Covington, IN?

109 Union St, Covington, IN has 2 bedrooms, 1 bathrooms, 960 square feet of living space and a 0.09-acre lot.

When was 109 Union St, Covington, IN built?

109 Union St, Covington, IN was built in 1980, making it 46 years old. The building has 1 story.

What schools serve 109 Union St, Covington, IN?

109 Union St, Covington, IN is assigned to Covington Community High School (high), rated A+; Covington Middle School (middle), rated B; Covington Elementary School (elementary), rated A-. All sit in Covington Community School Corporation. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Union St, Covington, IN compare to other homes in Covington 47932?

Among the 2,355 homes in Covington 47932, it is worth more than 12% of them ($132,683 against a typical $226,186), its price per square foot is higher than 46% of them ($138 against a typical $141), it is bigger than 10% of them (960 ft² against a typical 1,662 ft²), its lot is bigger than almost none of them (3,724 ft² against a typical 0.66 ac) and it is newer than 61% of them (1980 against a typical 1976). Measured against all of Fountain County, it is worth more than 28% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Union St, Covington, IN?

The 2025 property tax bill for 109 Union St, Covington, IN was $338. The county assessed it at $78,800.

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