Tipton County property record for 403 E Ripley Ave, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,330 sqft · built 1918 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $595,600 (Mar 2007) |
| Tax Bill | $550 (2022) |
| Deeds & Mortgages | Dec 2024 Sale & Mortgage Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 084025N G 00800 |
| Primary APN | 084025N G 00800 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,330 sqft Living Area |
| 1st Floor Area | 1,330 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,000 sqft (0.275 acres) |
| Lot Dimensions | 160 ft deep x 75 ft wide |
| Porch | Slab |
| Porch Area | 100 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 403 E RIPLEY AVE |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-2229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C81 |
| Legal Subdivision | CLOVERDALE PARK |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 40700 |
Source: Tipton County records · APN 084025N G 00800
Assessment roll updated January 21, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2230 ATOKA IDAVILLE RD, ATOKA, TN 38004-7305 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 23, 2024 | Warranty Deed, Transfer · Non-Conforming Investor Loan SPHINX CAPITAL LLC |
| Mar 23, 2022 | Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 23, 2007 · Amount on Record |
| Deed Sale | Mar 23, 2007 · Amount on Record |
| Prior Sale | Jun 25, 2001 · Amount on Record |
| Deed Book / Page | 1333 / 416 |
| Transfer Doc | 0000927161 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Dec 23, 2024 |
| Property Address | 403 E RIPLEY AVE, COVINGTON, TN 38019-2229 |
| Document Number | 0002064720 |
| Book / Page | 2064 / 720 |
| Map Reference | MB 1 PG 38 |
| Instrument Date | Dec 19, 2024 |
| Instrument | 279809 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,301.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2230 ATOKA IDAVILLE RD, ATOKA, TN 38004-7305 |
| Investor | Possibly a Property Investor |
| Document Number | 0000279810 |
|---|---|
| Date | Dec 23, 2024 |
| Instrument | 279810 |
| Name | SPHINX CAPITAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Jan 01, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 403 E RIPLEY AVE, COVINGTON, TN 38019-2229 |
| Transaction Type | Mortgage |
| Record Updated | Apr 05, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001951611 |
|---|---|
| Date | Mar 23, 2022 |
| Book Page | 1951/611 |
| Instrument | 255283 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | COLLIERVILLE, TN 38017 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Tipton County records · Assessment roll updated January 21, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Municipality | Covington City |
| Unified School District | Tipton County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $24,000 (-) Land $2,650 Building $21,350 | ||
| 2023 | $24,000 Land $2,650 Building $21,350 | ||
| 2022 | $550.00 | ||
| 2020 | $96,000 Land $10,600 Building $85,400 |
Source: FEMA National Flood Hazard Layer as of August 28, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2010–2025) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
| Wildfire Risk | Low lower than 98% of the US · lower than 98.3% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Aeneas Communications, AT&T.
Based on FCC filings for 120 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COVINGTON WATER DEPT serves 14,334 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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