Lake County property record for 408 N Main St, Ridgely, TN 38080
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,256 sqft · built 1922 |
| Lot Size | 0.369 acres (16,117 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $1,140 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage |
| Flood Zone | Zone X (high risk) |
| APN | 048057K M 01600 |
| Primary APN | 048057K M 01600 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 2,256 sqft Living Area |
| 1st Floor Area | 2,256 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.369 acres) |
| Lot Dimensions | 141 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Porch Area | 146 sqft |
| Utility Building | 224 sqft |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 408 N MAIN ST |
|---|---|
| City | RIDGELY |
| State | TN |
| Zip | 38080 |
| 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 | 3012 |
| Census Tract | 960200 |
The current owner of 408 N Main St acquired it in December 2004.
Source: Lake County records, as of January 26, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 408 S MAIN ST, RIDGELY, TN 38080-1505 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Last Transfer Date | Dec 28, 2004 |
|---|---|
| Transfer Doc | 0000003091 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE TN |
| Property Address | 408 N MAIN ST, RIDGELY, TN 38080 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000048/388 |
|---|---|
| Date | Sep 25, 2017 |
| Book Page | 48/388 |
| Instrument | 14939 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Oct 1, 2027 |
The 2025 property tax bill for 408 N Main St was $1,140.
Source: Lake County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lake County |
| Municipality | Ridgely Town |
| Unified School District | Lake County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,140.00 | $23,975 (-) Land $2,925 Building $21,050 | |
| 2024 | $1,140.00 | $23,975 Land $2,925 Building $21,050 | $95,900 Land $11,700 Building $84,200 |
| 2022 | $671.00 | $14,200 Land $1,275 Building $12,925 | $56,800 Land $5,100 Building $51,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 N 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 risk around 408 N 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 55 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 |
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