Wow, you have found some great information on this family. I was looking at the WRAY family on the 1900 census rcds., listed in the 18th Dist. of McNairy County, TN, (not the best image to read). The birth month/year indicated on the recds for Joseph C. WRAY appear to be - Sept. 1845, age 59, and for Nancy C. - Aug. 1864, age 35.
A Joseph C. Ray was also listed for another regiment - 6th Regiment, Co. L., Tennessee Cavalry.
More clues... however, the family was definitely located in Hardeman and McNairy counties of Tennessee.
Thanks for the great information, Bob.