Tipton County property record for 1166 Ray Ln, Covington, TN 38019
| Property Type | Mobile Home |
|---|---|
| Details | 2 ba · 1,512 sqft · built 1999 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,000 (Oct 2023) |
| Tax Bill | $435 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Oct 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084024 03508 |
| Primary APN | 084024 03508 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 1,512 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Mixed |
| Garage Area | 576 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 80 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1166 RAY LN |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-4788 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C61 |
| Legal Subdivision | WAKEFIELD RAY LANE MINOR |
| 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 October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1166 RAY LN, COVINGTON, TN 38019-4788 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Oct 12, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Oct 29, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 17, 2023 | Intrafamily Transfer, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2023 · Amount on Record |
| Deed Sale | Oct 17, 2023 · Amount on Record |
| Prior Sale | Aug 26, 2016 · Amount on Record |
| Deed Document Number | 2023269930 |
| Deed Book / Page | 2017 / 475 |
| Prior Transfer Date | Sep 22, 2023 |
| Prior Transfer Doc | 0002017475 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Oct 12, 2026 |
| Property Address | 1166 RAY LN, COVINGTON, TN 38019-4788 |
| Document Number | 0000296472 |
| Book / Page | 2144 / 182 |
| Instrument Date | Sep 29, 2026 |
| Instrument | 2026296472 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1166 RAY LN, COVINGTON, TN 38019-4788 |
| Document Number | 0000296472, |
|---|---|
| Date | Oct 12, 2026 |
| Book Page | 2144/182 |
| Instrument | 2026296472 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 1166 RAY LN, COVINGTON, TN 38019-4788 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1166 RAY LN, COVINGTON, TN 38019-4788 |
| Document Number | 0002101600 |
|---|---|
| Date | Oct 29, 2025 |
| Book Page | 2101/600 |
| Instrument | 287683 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD STE 175, BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Jan 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Oct 17, 2023 |
| Property Address | 1166 RAY LN, COVINGTON, TN 38019-4788 |
| Document Number | 0002017475 |
| Book / Page | 2017 / 475 |
| Map Reference | CAB E SL 148B |
| Instrument Date | Sep 22, 2023 |
| Instrument | 269930 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2023 |
| Title Company | PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1166 RAY LN, COVINGTON, TN 38019-4788 |
| Document Number | 0000269931 |
|---|---|
| Date | Oct 17, 2023 |
| Instrument | 269931 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2053 |
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 | $435.00 (+3.57%) | $28,600 (-) Land $5,275 Building $23,325 | |
| 2023 | $28,600 (+39%) Land $5,275 Building $23,325 | ||
| 2022 | $420.00 | $20,575 Land $3,875 Building $16,700 | $82,300 (-28.06%) Land $15,500 Building $66,800 |
| 2020 | $114,400 Land $21,100 Building $93,300 |
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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Aeneas Communications Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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