150 Sinclair Cir, Ripley, TN 38063 Property Records

Lauderdale County property record for 150 Sinclair Cir, Ripley, TN 38063

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,352 sqft · built 1900
Lot Size	2.1 acres (92,000 sqft)
Owner	2 Individual Names on File
Last Sale	$69,643 (Mar 2012)
Tax Bill	$570 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049076P D 02700`

Property Details

APN / Parcel Number

Primary APN	`049076P D 02700`
Alternative APN	`076P D 02700`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,352 sqft Living Area
1st Floor Area	2,202 sqft
Basement Area	886 sqft
Finished Basement	150 sqft
Unfinished Basement	736 sqft
Flooring	Carpet
Interior Walls	Wood

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1981
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	92,000 sqft (2.1 acres)
Lot Dimensions	460 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	600 sqft
Deck Area	192 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	392 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	150 SINCLAIR CIR
City	RIPLEY
State	TN
Zip	38063-1100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	DISTRICT: 02, COUNTY AREA: R19
Jurisdiction	LAUDERDALE TN
Township / Civil Division	2
Census Block Group	3
Census Block	3017
Census Tract	50504

Owner

150 Sinclair Cir is owned and occupied by two individuals who bought it in March 2012.

Source: Lauderdale County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	150 SINCLAIR CIR, RIPLEY, TN 38063-1100
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2019	Deed of Trust, Mortgage FOCUS BK
Jan 4, 2019	Deed of Trust, Mortgage FOCUS BK
Mar 12, 2018	Loan Modification, Mortgage · Conventional Mortgage FOCUS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2012 · Amount on File
Deed Sale	Mar 26, 2012 · Amount on File
Deed Document Number	165154
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE TN
Property Address	150 SINCLAIR CIR, RIPLEY, TN 38063-1100
Document Number	0000187824
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	150 SINCLAIR CIR RIPLEY TN 380631100, RIPLEY, TN 38063-1100

Mortgage

Document Number	0000187824
Date	Jan 28, 2019
Book Page	000722/000582
Instrument	187824

Lender

Name	FOCUS BK
Type	Bank
Address	CHARLESTON, MO 63834

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE TN
Property Address	150 SINCLAIR CIR, RIPLEY, TN 38063-1100
Document Number	0000188158
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Mar 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	150 SINCLAIR CIR RIPLEY TN 380631100, RIPLEY, TN 38063-1100

Mortgage

Document Number	0000188158
Date	Mar 6, 2019
Book Page	000724/000007
Instrument	188158

Lender

Name	FOCUS BK
Type	Bank
Address	CHARLESTON, MO 63834

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2049

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAUDERDALE TN
Property Address	150 SINCLAIR CIR, RIPLEY, TN 38063-1100
Document Number	0000185449
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	150 SINCLAIR CIR RIPLEY TN 380631100, RIPLEY, TN 38063-1100

Mortgage

Document Number	0000185449
Date	Apr 16, 2018
Book Page	000712/000366
Instrument	185449

Lender

Name	FOCUS BK
Type	Bank
Address	SIKESTON, MO 63801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Apr 15, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 150 Sinclair Cir was $570.

Source: Lauderdale County assessment roll, as of May 20, 2025

Property Jurisdictions

Type	Name
State	Tennessee
County	Lauderdale County
Municipality	Ripley City
Unified School District	Lauderdale County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$570.00	$22,450 Land $2,600 Building $19,850
2023		$22,450 Land $2,600 Building $19,850
2022	$561.00
2021			$89,800 Land $10,400 Building $79,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 150 Sinclair Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective September 28, 2007 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Aug 2013 · rainfall accumulation

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.

Wildfire

Wildfire risk around 150 Sinclair Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.5% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RIPLEY WATER SYSTEM serves 8,030 people · EPA ID TN0000580
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	1 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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Verizon, Xfinity.

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