4 Sands Cv, Ridgely, TN 38080 Property Records

Lake County property record for 4 Sands Cv, Ridgely, TN 38080

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,639 sqft · built 1979
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$173,000 (Mar 2024)
Tax Bill	$1,488 (2025)
Deeds & Mortgages	Aug 2026 Reverse Mortgage Mar 2024 Sale
Flood Zone	Zone X (high risk)
APN	`048057K J 03400`

Property Details

APN / Parcel Number

Primary APN	`048057K J 03400`
Alternative APNs	`05057KJ057K03400` `057K J 03400`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,639 sqft Living Area
1st Floor Area	1,639 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	126 ft deep x 137 ft wide
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	377 sqft
Utility Building	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4 SANDS CV
City	RIDGELY
State	TN
Zip	38080-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05, COUNTY AREA: R20
Legal Subdivision	RILEY II/58
Legal Block	3
Legal Lot Number	6
Jurisdiction	LAKE TN
Township / Civil Division	3
Census Block Group	3
Census Block	3006
Census Tract	960200

Owner

4 Sands Cv is owned and occupied by an individual who acquired it in June 2026.

Source: Lake County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	4 SANDS CV, RIDGELY, TN 38080-1619
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Aug 17, 2026	Quit Claim Deed, Transfer · Reverse Mortgage MORTGAGE MORTGAGE
Mar 21, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2024 · Amount on File
Deed Sale	Mar 21, 2024 · Amount on File
Prior Sale	Jun 8, 1979
Deed Document Number	202420097
Deed Book / Page	68 / 796
Last Transfer Date	Jun 19, 2026
Transfer Doc	0000021917
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE TN
Recording Date	Aug 17, 2026
Property Address	4 SANDS CV, RIDGELY, TN 38080-1619
Document Number	0000021917
Book / Page	77 / 539
Instrument Date	Jun 19, 2026
Instrument	202621917
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SANDS CV, RIDGELY, TN 38080-1619

Mortgage

Document Number	0000021918,
Date	Aug 17, 2026
Instrument	202621918

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	999 Months
Due	Nov 14, 2111

Interest

Rate Type	Adjustable Rate
Rate	7.96%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Mortgage

Document Number	0000021919,
Date	Aug 17, 2026
Book Page	77/557
Instrument	202621919

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	999 Months
Due	Nov 14, 2111

Interest

Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE TN
Recording Date	Mar 21, 2024
Property Address	4 SANDS CV, RIDGELY, TN 38080-1619
Document Number	000068/796
Book / Page	68 / 796
Map Reference	MB II PG 59
Instrument Date	Mar 18, 2024
Instrument	20097
Transaction Type	Transfer
Record Updated	Apr 5, 2024

Transaction

Amount	Amount on Record
Tax	$640.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SANDS CV, RIDGELY, TN 38080-1619

Tax Assessment & Valuation

The 2025 property tax bill for 4 Sands Cv was $1,488.

Source: Lake County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Lake County
Municipality	Ridgely Town
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,488.00	$31,275 (-) Land $2,925 Building $28,350	$125,100 (-) Land $11,700 Building $113,400
2024	$1,488.00	$31,275 Land $2,925 Building $28,350	$125,100 Land $11,700 Building $113,400
2022	$1,014.00	$21,475 Land $2,200 Building $19,275	$85,900 Land $8,800 Building $77,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4 Sands Cv in Zone X, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 4, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1997–2011)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2011 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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 4 Sands Cv is low, with less than 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 98% of the US · lower than 98.3% of Tennessee
Wildfire Likelihood	Under 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	RIDGELY WATER SYSTEM serves 2,059 people · EPA ID TN0000579
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gibson Connect Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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