Tipton County, Tennessee

Redeemable Deed62,187 residents

County research last verified 2026-07. Office holders, platforms, and deposit rules change — re-confirm anything time-sensitive.

Sale typestate default

Redeemable Deed

Redemption periodstate default

1 year from the court's confirmation of sale (courts have discretion to extend)

Investor returnstate default

10% per annum statutory penalty on redemption

Governing statutestate default

Tennessee Code Title 67, Ch. 5

Notes

Tennessee judicial redeemable-deed county. Tipton County (Covington / Munford / Atoka / Memphis north fringe) delinquent real property tax sales are handled through Chancery Court Clerk & Master Gina D. Smith (1801 S College St Ste 110, Covington; 901-476-0209) under TCA Title 67 Ch. 5 pattern — periodic public auction for county and municipal delinquencies, court confirmation, then statutory redemption (commonly 1 year; court may vary). Confirm next sale date, format (in-person vs. any online experiment), and bidder instructions with Clerk & Master before travel. Memphis MSA north-suburb growth market — flood, septic, and title DD essential on rural tracts.

Auction logistics

Format

In-person Chancery / Clerk & Master tax sale (confirm any online component)

Frequency

Periodic — often annual or as docketed; confirm next sale with Clerk & Master 901-476-0209

Platform

Tipton County Chancery Court Clerk & Master — delinquent tax sale ↗

Deposit rules

Chancery/Clerk & Master sale rules — deposit and balance deadlines set in the sale notice/order (typically certified funds day of sale). Obtain bidder instructions from the Clerk & Master's Office before sale day. Sale incomplete until Order Confirming Sale; properties subject to statutory redemption after confirmation.

Title risk

Liens that survive the sale

Judicial tax sale subject to redemption. After confirmation and redemption expire, most junior private liens are cut off; federal liens can survive. Full title search mandatory.

Quiet title

Often used after redemption expires to obtain insurable title for Memphis-metro resale.

Deal maths for Tennessee

Assessment ratio: 0.25× of market value
Typical quiet title: $1,800–$5,000 · 5 mo
Recording and transfer: $250

T.C.A. § 67-5-801 and Tenn. Const. art. II, § 28: residential and farm property is assessed at 25% of value, industrial and commercial at 40%, public utility at 55%. This entry uses the 25% residential rate.

Offices and records

Tax collector

Tipton County Trustee (current taxes) / Clerk & Master (delinquent tax sale) ↗

901-476-0209

Clerk of court

Tipton County Chancery Court Clerk & Master (Gina D. Smith) ↗

901-476-0209

Property appraiser

Tipton County Property Assessor ↗

GIS / parcel map

Tipton County Assessor / GIS parcel resources ↗

Areas trending up

Directional read from dated market analysis — not a guarantee, and not a substitute for your own comps.

Atoka–Munford / US-51 growth corridor

Memphis north-suburb demand with stronger SF absorption than pure rural tracts

Covington / downtown–courthouse core

County-seat employment with selective SF rehab demand

Brighton–Mason east county

Entry-priced SF and land with local industrial employment