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115 Ray Ln, Covington, TN 38019 Property Records

Tipton County property record for 115 Ray Ln, Covington, TN 38019

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,041 sqft · built 1995
Lot Size1 acres (43,560 sqft)
Owner2 Individual Names on Record
Last Sale$5,000 (Jan 1995)
Tax Bill$497 (2025)
Deeds & MortgagesJul 2026 Mortgage
Jun 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN084042 03301

Property Details

APN / Parcel Number

Primary APN084042 03301
Alternative APN
  • 042 03301

Interior

Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,041 sqft Living Area
1st Floor Area1,041 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2005
Exterior MaterialSiding
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area43,560 sqft (1 acres)
PorchSlab
Porch Area87 sqft
Utility Building96 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
Heating FuelGas
SewerConnected

Location & Zoning

Street Address115 RAY LN
CityCOVINGTON
StateTN
Zip38019-4733
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 01, COUNTY AREA: C61
JurisdictionTIPTON TN
Township / Civil Division1
Census Block Group1
Census Block1029
Census Tract40602

Owner

Source: Tipton County records, as of July 14, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address115 RAY LN, COVINGTON, TN 38019-4733
OccupancyOwner Occupied
Owner TypeIndividual
VestingEt Ux (and Wife)

Deeds, Mortgages & Sale History

DateDocument
Jul 6, 2026Deed of Trust, Mortgage · Conventional Mortgage
SYNERGY ONE LENDING
Jun 25, 2026Deed of Trust, Mortgage · Conventional Mortgage
REGIONS BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 31, 1995 · Amount on Record
Deed SaleJan 31, 1995 · Amount on Record
Deed Book / Page740 / 157
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionTIPTON TN
Recording DateJul 6, 2026
Property Address115 RAY LN, COVINGTON, TN 38019-4733
Document Number0000293903
Book / Page2131 / 818
Instrument DateJul 2, 2026
Instrument2026293903
Transaction TypeMortgage
Record UpdatedJul 14, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

NameVerified Name
Address5639 GAINSVILLE RD, MASON, TN 38049-6781

Mortgage

Document Number0000293903,
DateJul 6, 2026
Book Page2131/818
Instrument2026293903
Lender
NameSYNERGY ONE LENDING
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeFixed Rate
Rate6.48%
Initial TypeFixed Rate
Max Rate-1%

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionTIPTON TN
Recording DateJun 25, 2026
Property Address115 RAY LN, COVINGTON, TN 38019-4733
Document Number0000293587
Book / Page2130 / 310
Instrument DateJun 15, 2026
Instrument2026293587
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address115 RAY LN, COVINGTON, TN 38019-4733

Mortgage

Document Number0000293587,
DateJun 25, 2026
Book Page2130/310
Instrument2026293587
Lender
NameREGIONS BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJul 1, 2041
Interest
Rate TypeFixed Rate
Rate5.71%
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

Source: Tipton County assessment roll, as of January 21, 2026

Property Jurisdictions

TypeName
StateTennessee
CountyTipton County
Unified School DistrictTipton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$497.00 (+5.97%)$32,650 (-) Land $5,275 Building $27,375
2023$32,650 Land $5,275 Building $27,375
2022$469.00
2020$130,600 Land $21,100 Building $109,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims3 (2010–2025)
Claims Outside the SFHA2 of 3
Most Recent ClaimJun 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 RiskNot rated
no burnable land within 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 SystemCOVINGTON WATER DEPT
serves 14,334 people · EPA ID TN0000144
Water SourceGroundwater
Last State InspectionOct 2024
Lead3 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 9 locations within half a mile, as of December 31, 2025

ProviderMax 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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