Tipton County property record for 816 Ray Ln, Covington, TN 38019 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,734 sqft · built 1986 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $616 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 084042 01701 |
| Primary APN | 084042 01701 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,734 sqft Living Area |
| 1st Floor Area | 1,734 sqft |
| Basement Area | 684 sqft |
| Finished Basement | 684 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 816 RAY LN |
|---|---|
| City | COVINGTON |
| State | TN |
| Zip | 38019-4740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 01, COUNTY AREA: C61 |
| Jurisdiction | TIPTON TN |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 40602 |
Source: Tipton County records · APN 084042 01701
Assessment roll updated 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 | 816 RAY LN, COVINGTON, TN 38019-4740 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA |
| Jun 07, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 27, 2000 |
| Deed Sale | Apr 27, 2000 |
| Deed Document Number | 0000900344 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 816 RAY LN, COVINGTON, TN 38019-4740 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001937728 |
|---|---|
| Date | Dec 13, 2021 |
| Book Page | 1937/728 |
| Instrument | 252299 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPTON TN |
| Property Address | 816 RAY LN, COVINGTON, TN 38019-4740 |
| Document Number | 1802626 |
| Instrument Date | Jun 07, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 04, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 816 RAY LN COVINGTON TN 380194740, COVINGTON, TN 38019-4740 |
| Document Number | 1802626 |
|---|---|
| Date | Jun 20, 2019 |
| Book Page | 001802/000626 |
| Instrument | 224073 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 19, 2034 |
Source: Tipton County records · Assessment roll updated May 20, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Tipton County |
| Unified School District | Tipton County School District (PK - 12) |
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 | $616.00 (+5.3%) | $40,500 (-) Land $5,275 Building $35,225 | |
| 2023 | $40,500 Land $5,275 Building $35,225 | ||
| 2022 | $585.00 | ||
| 2020 | $162,000 Land $21,100 Building $140,900 |
Source: FEMA National Flood Hazard Layer, Tipton County (47167C), updated August 28, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 471670406021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Aeneas Communications | Fiber | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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