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21046 Smith Rd, Covington, LA, 70435

1beds
1baths
1,394sqft
$754,000
$541price/sqft
$5,174/moest. monthly cost
$206,960/yrincome needed

About This Home

*** OPEN HOUSE: SUNDAY, APRIL 26TH, 1pm to 3pm*** Escape to your serene sanctuary on 8.5 acres (~5.8 Acres Flood Zone C and ~2.7 Acres of Flood Zone A) of natural beauty along the Little Bogue Falaya River. Originally a 670 sq ft cottage, this home underwent a major expansion in 2011 (added 724 sqft) with designs from Renowned Covington Architect, Randy Aultman, adding a spacious Great Room/kitchen, fireplace, huge screened-in back porch, an extended front porch, and beautiful bathroom with shower. Now offering 1,394 sqft of rustic elegance. The home features heart pine flooring, antique cypress French doors and transoms, and custom birch exposed rafter tails. Soaring cathedral ceilings with Dirty Top Pine beams and energy-efficient Marvin windows flood the open-concept space with natural light. Cozy up by one of the two fireplaces—one wood-burning, the other natural gas—for a warm, inviting atmosphere. Great for relaxation and entertainment, this home is wired for security and features a great sound system with vanishing speakers in interior/outside speakers for both porches, setting the perfect ambiance. Both porches feature tongue and groove ceilings and floors, with the screened-in back porch wonderful for year-round enjoyment. Eco-friendly features include a green geothermal system for heating and cooling and a 17 kW Generac generator for backup power. For those seeking room to grow, architectural plans are available to expand the home into a 3-bedroom, 3-bath sanctuary with a luxurious primary suite. The property also includes a custom architecturally designed barn, built with the same high-quality materials as the home, offering endless possibilities for hobbyists or storage. The Creek Room, a small screened-in building with electric and water, is ready for converting into a guest room, studio, or peaceful retreat. Certified as a Wildlife Habitat, the property provides stunning natural scenery, river access, and thriving wildlife, creating a perfect retreat for nature enthusiasts. Located just 5 minutes from downtown Covington and 45 minutes to Metairie and New Orleans, this unique property offers tranquil seclusion and convenient access to city amenities. Tractor, furniture, artwork, and mirrors in bathroom are not included.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
5/10
Covington High SchoolGrades 9-125.2 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1995

Materials

  • Foundation: Raised
  • Roof: Metal
  • Construction materials: HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Creole
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Oven,Range

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s),Cathedral Ceiling(s),High Ceilings,Stone Counters,Vaulted Ceiling(s),Wired for Sound
  • Window features: Screens
  • Fireplace features: Gas,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Geothermal
  • Cooling features: Central Air,Geothermal

Interior Area

  • Total structure area: 1,921
  • Total interior livable area: 1,394 sqft

Kitchen

  • Level: First
  • Dimensions: 11.20 x 20.80

Living Room

  • Level: First
  • Dimensions: 21.25 x 20.80

Master Bedroom

  • Level: Second
  • Dimensions: 14.80 x 17.80

Property

Details

  • Parcel number: 29467
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Covered,Wood,Porch,Screened
  • Exterior features: Enclosed Porch,Porch,Permeable Paving,Sound System
  • On waterfront: Yes
  • Waterfront features: Waterfront,River Access

Lot

  • Lot size: 8.47 Acres
  • Features: 6-10 Units/Acre,Outside City Limits,Stream/Creek
  • Lot size dimensions: 377 x 1200 irregular

Parking

  • Total spaces: 3
  • Parking features: Three or more Spaces,Boat,Driveway,RV Access/Parking
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Cold Wave
Heat Wave
Inland Flooding
Lightning
Hail
Ice Storm
Strong Wind
Tornado
Wildfire

FEMA Declared Disasters Across Louisiana Counties

Flood
Hurricane
Severe Storm
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,812$45,744
Home Insurance *$769$9,228
Property Taxes $446$5,352
Electricity $147$1,773
Total$5,174$62,088
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$177,394/yr
40% on housing$155,220/yr
45% on housing$137,973/yr

Louisiana FAIR Plan Programs

Louisiana Citizens Property Insurance Corporation

Covered
WildfireWildfire
Visit Website →

Louisiana Citizens Property Insurance Corporation - Coastal Plan

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 151,075Commercial: 10,572
Total Premiums$518.28M
Total Exposure$41.71B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 21.0%
21.0%
0%30.0%
Electricity Growth Rate10-year average: 5.3%
5.3%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$541This listing

vs Other Active Listings

Avg $/sqft

ZIP 70435$141
St. Tammany Parish$166

vs Homes Sold Last Month

Median $/sqft

ZIP 70435$166
St. Tammany Parish$156

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-21Price change$769,000
2026-04-03Price change$779,000
2026-02-26Price change$789,000
2025-12-13Listed for sale$799,000
2025-11-15Contingent$799,000
2025-10-01Listed for sale$799,000
2025-10-01Listing removed$799,000
2025-06-19Price change$799,000
2025-01-31Price change$820,000
2024-09-05Listed for sale$860,000
2024-07-18Listing removed$860,000
2024-05-16Listed for sale$860,000

For Sale by Agent

AgentCynthia Benbow
BrokerageKeller Williams Realty Services

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