Tipton County property record for 106 Ray Ln, Covington, TN 38019
| Property Type | Commercial |
|---|---|
| Details | 2 ba · 2,854 sqft · built 2025 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $430 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 084042 02803 |
| Primary APN | 084042 02803 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,854 sqft Total Area |
| 1st Floor Area | 1,254 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Terrain | Rolling |
| Garage Area | 1,564 sqft |
| Parking Spaces | 5 Parking Spaces |
| Utility Building | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 106 RAY LN |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-4704 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Subdivision | MCDOW 1 ACRE PARTITION |
| Legal Lot Number | 1 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 40602 |
Source: Tipton County records, as of March 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 439 ANTIOCH HIGHWAY 51 RD, COVINGTON, TN 38019-4613 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Jun 4, 2026 |
| Property Address | 106 RAY LN, COVINGTON, TN 38019-4704 |
| Document Number | 0002127807 |
| Book / Page | 2127 / 807 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026293027 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST SOURCE TITLE |
| Name | Verified Name |
|---|---|
| Address | 106 RAY LN, COVINGTON, TN 38019-4704 |
| Document Number | 0000293027, |
|---|---|
| Date | Jun 4, 2026 |
| Book Page | 2127/807 |
| Instrument | 2026293027 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Apr 30, 2051 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
Source: Tipton County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Unified School District | Tipton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $430.00 | $28,275 Land $5,275 Building $23,000 | |
| 2020 | $113,100 Land $21,100 Building $92,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 9 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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