Tipton County property record for 510 Ray Ln, Covington, TN 38019
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,400 sqft · built 1974 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $594 (2025) |
| Deeds & Mortgages | Aug 2022 Transfer May 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084042 02104 |
| Primary APN | 084042 02104 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 24,394 sqft (0.56 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 360 sqft |
| Carport | Carport |
| Carport Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 72 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Utility Building | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 510 RAY LN |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-4789 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C61 |
| Legal Subdivision | L J SOMERVILLE |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 40602 |
Source: Tipton County records, as of March 9, 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 | 510 RAY LN, COVINGTON, TN 38019-4789 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Aug 11, 2022 | Intrafamily Transfer, Transfer |
| May 19, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Oct 19, 2018 | Deed of Trust, Mortgage · Line of Credit INSOUTH BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2010 |
| Deed Sale | Jun 24, 2010 |
| Prior Sale | Jun 24, 1996 |
| Deed Book / Page | 1481 / 66 |
| Last Transfer Date | Aug 11, 2022 |
| Transfer Doc | 0001971208 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | Aug 11, 2022 |
| Property Address | 510 RAY LN, COVINGTON, TN 38019-4789 |
| Document Number | 0001971208 |
| Book / Page | 1971 / 208 |
| Instrument Date | Aug 11, 2022 |
| Instrument | 259568 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 510 RAY LN, COVINGTON, TN 38019-4789 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | TIPTON TN |
| Recording Date | May 19, 2022 |
| Property Address | 510 RAY LN, COVINGTON, TN 38019-4789 |
| Document Number | 0001959889 |
| Book / Page | 1959 / 889 |
| Instrument Date | May 18, 2022 |
| Instrument | 257079 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 510 RAY LN, 510, COVINGTON, TN 38019-4789 |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 510 RAY LN, COVINGTON, TN 38019-4789 |
| Document Number | 1777774 |
| Instrument Date | Oct 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 510 RAY LN COVINGTON TN 380194789, COVINGTON, TN 38019-4789 |
| Document Number | 1777774 |
|---|---|
| Date | Oct 24, 2018 |
| Book Page | 001777/000774 |
| Instrument | 218152 |
| Name | INSOUTH BK |
|---|---|
| Type | Bank |
| Address | COVINGTON, TN 38019 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 23, 2028 |
| Rate Type | Adjustable Rate |
|---|
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 | $594.00 (+6.64%) | $39,050 (-) Land $4,125 Building $34,925 | |
| 2023 | $39,050 Land $4,125 Building $34,925 | ||
| 2022 | $557.00 | ||
| 2020 | $156,200 Land $16,500 Building $139,700 |
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 3 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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