403 S Main St, Ridgely, TN 38080 Property Records

Lake County property record for 403 S Main St, Ridgely, TN 38080

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,599 sqft · built 1930
Lot Size	1.23 acres (53,579 sqft)
Owner	Individual Name on File
Last Sale	$62,000 (Jan 2021)
Tax Bill	$1,176 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (high risk)
APN	`048057K N 00500`

Property Details

APN / Parcel Number

Primary APN	`048057K N 00500`
Alternative APN	`057K N 00500`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,599 sqft Living Area
1st Floor Area	1,599 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1950
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	53,579 sqft (1.23 acres)
Lot Dimensions	430 ft deep x 130 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	403 S MAIN ST
City	RIDGELY
State	TN
Zip	38080-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05, COUNTY AREA: R30
Jurisdiction	LAKE TN
Township / Civil Division	3
Census Block Group	3
Census Block	3011
Census Tract	960200

Owner

403 S Main St is owned and occupied by an individual who bought it in January 2021.

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

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

Owner of Record	Individual Name on File
Mailing Address	403 S MAIN ST, RIDGELY, TN 38080-1504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2021 · Amount on File
Deed Sale	Jan 22, 2021 · Amount on File
Deed Document Number	0000005832
Deed Book / Page	58 / 32
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE TN
Recording Date	Jan 22, 2021
Property Address	403 S MAIN ST, RIDGELY, TN 38080-1504
Document Number	0000058/32
Book / Page	58 / 32
Instrument Date	Jan 22, 2021
Instrument	17453
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 S MAIN ST, RIDGELY, TN 38080-1504

Mortgage

Document Number	0000017454
Date	Jan 22, 2021
Instrument	17454

Lender

Name	FIRST COMMUNITY BANK OF THE HEARTLA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 22, 2051

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 403 S Main St was $1,176.

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

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	$1,176.00	$24,725 (-) Land $5,000 Building $19,725
2024	$1,176.00	$24,725 Land $5,000 Building $19,725	$98,900 Land $20,000 Building $78,900
2022	$732.00	$15,500 Land $3,325 Building $12,175	$62,000 Land $13,300 Building $48,700

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 403 S Main St 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 403 S Main St 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 99.1% of the US · lower than 99.2% 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 88 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

Nearby Properties on S Main St

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