Facing foreclosure in Tipton County? Keep your equity.
If your home in Covington or elsewhere in Tipton County is headed toward a trustee sale, here is exactly how the process works locally, and the option most homeowners never hear about: selling before the sale to protect the equity that the courthouse auction would erase.
Patrick Yuri ArmourLicensed Tennessee Auctioneer·Updated July 2026
Where a trustee sale happens in Tipton County
A Tennessee trustee sale is a public auction. In Tipton County it is held at the front door of the Tipton County Courthouse at 100 Court Square in Covington (some notices instead designate the north door, or the Chancery Courthouse on South College Street).[1]
Sale location
Tipton County Courthouse 100 Court Square, Covington, TN 38019
The exact date, time, and terms for any specific sale are set in that property's published notice, not by a fixed schedule. Always confirm against the current notice.
Where foreclosure notices are published
Tennessee law requires the sale to be advertised before it happens. In Tipton County, foreclosure and trustee-sale notices run in The Leader (Covington).[2] As of a 2025 change in the law, the notice must also be posted online for at least 20 continuous days. If you think a sale may be scheduled on your home, these are where it would appear.
Surplus funds, redemption, and records
If a Tipton County home sells for more than the debt, the extra (surplus funds) belongs to the junior lienholders and then the former owner. The office that handles disputed surplus and the related records:
Office details verified from the county government website.[3]
Why this matters in Tipton County
For a Tipton County homeowner with equity, a trustee sale can erase it for the loan balance in about sixty seconds.
If you have equity and any time before the sale, selling on your own terms through a marketed auction that still beats the deadline usually keeps far more of your money than doing nothing or taking the first cash offer. That is what FALCO helps Tipton County homeowners do, at no cost to you.
How FALCO helps
FALCO routes Tipton County homes to licensed Tennessee auction firms that market the property to real competing buyers on a compressed timeline. The buyer pays the fee. You keep the equity.
Tipton County homeowners
Free 15-minute call. Real numbers for your home.
Within one business day we'll show you what your Covington-area home would likely clear at a marketed auction versus what happens at the trustee sale. No cost, no pressure, no obligation to sell.
This page is general information about foreclosure in Tipton County, Tennessee, not legal, tax, or financial advice, and not a promise about any outcome. Sale locations, times, and publications are set in each property's official notice and can change; always confirm against the current notice and the county. FALCO is not a government agency and is not affiliated with, or approved by, any government program or your mortgage lender. FALCO does not buy your home, does not charge homeowners or take upfront fees, and does not promise to stop, delay, or cure any foreclosure.
Foreclosure activity in Tipton County
9
trustee sales scheduled in the next 30 days
20
scheduled in the last 90 days
44
notices tracked in Tipton County
Next scheduled sale: October 21, 2026. Substitute trustees filing most often here: Foundation Legal Group, LLP; Llg Trustee Tn, LLC; Padgett Law Group. Counted from public trustee sale notices. Updated October 21, 2026.
Tipton County questions
Where is the trustee sale held in Tipton County?+
At the front door of the Tipton County Courthouse at 100 Court Square in Covington (some notices instead designate the north door, or the Chancery Courthouse on South College Street). The exact date, time and place are printed in the published notice for your property.
Where are Tipton County foreclosure notices published?+
Trustee sale notices for Tipton County run in The Leader (Covington). The notice names the substitute trustee, the sale date and the property, and that first publication is usually the earliest public sign a sale is coming.
How many trustee sales are scheduled in Tipton County right now?+
As of October 21, 2026, FALCO is tracking 9 trustee sales scheduled in Tipton County in the next 30 days and 12 in the next 60, counted from the public notices. 20 were scheduled in the last 90 days. The next scheduled sale is October 21, 2026.
Can I still sell my Tipton County home before the trustee sale?+
Yes. Until the sale actually happens the home is still yours to sell. FALCO routes Tipton County homeowners to a licensed Tennessee auction firm that markets the property and closes ahead of the sale date, at no cost to you; the buyer pays the premium. A marketed sale typically runs 45 to 75 days from decision to closing, so with fewer than 30 days left the first step is usually asking the trustee for a postponement.
Who handles surplus funds and property records in Tipton County?+
Surplus from a trustee sale goes through the Tipton County Clerk & Master, (901) 476-0209. Deeds, the deed of trust and the substitution of trustee are recorded with the Tipton County Register of Deeds, (901) 476-0204.