697 Ray Ln, Covington, TN 38019 Property Records

Tipton County property record for 697 Ray Ln, Covington, TN 38019

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,846 sqft · built 1994
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$1,150 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084042 01805`

Property Details

APN / Parcel Number

Primary APN	`084042 01805`
Alternative APN	`042 01805`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	2,846 sqft Living Area
1st Floor Area	2,846 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	435 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	360 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	697 RAY LN
City	COVINGTON
State	TN
Zip	38019-4739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 01, COUNTY AREA: C61
Legal Subdivision	THOMAS SUBDIVISION SEC A
Legal Lot Number	2 100
Jurisdiction	TIPTON TN
Township / Civil Division	1
Census Block Group	1
Census Block	1029
Census Tract	40602

Owner

Source: Tipton County assessment roll, APN 084042 01805, as of May 20, 2025 · Last verified January 2026

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

Owner of Record	Individual Name on File
Mailing Address	697 RAY LN, COVINGTON, TN 38019-4739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2000
Deed Sale	Jan 04, 2000
Prior Sale	Nov 22, 1999
Deed Document Number	0000888997
Prior Transfer Date	Jan 03, 2000
Prior Transfer Doc	0000888997
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIPTON TN
Property Address	697 RAY LN, COVINGTON, TN 38019-4739
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1887573
Date	Mar 03, 2021
Book Page	1887/573
Instrument	242154

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Feb 01, 2046

Tax Assessment & Valuation

Source: Tipton County assessment roll as of May 20, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Tipton County
Unified School District	Tipton County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,150.00 (+5.99%)	$75,575 (-) Land $5,275 Building $70,300
2023		$75,575 Land $5,275 Building $70,300
2022	$1,085.00
2020			$302,300 Land $21,100 Building $281,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Tipton County (47167C), as of August 28, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 471670406021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 2 claims

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, 21 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Aeneas Communications Fiber	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system TN0000144, 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

Violations Reported to EPA

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.