Lake County property record for 521 Sands St, Ridgely, TN 38080
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,450 sqft · built 1976 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $51,900 (Sep 2015) |
| Tax Bill | $811 (2025) |
| Flood Zone | Zone X (high risk) |
| APN | 048057K L 02100 |
| Primary APN | 048057K L 02100 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,450 sqft Living Area |
| 1st Floor Area | 1,066 sqft |
| Basement Area | 384 sqft |
| Finished Basement | 384 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 170 ft deep x 69 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Screened Porch |
| Porch Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 521 SANDS ST |
|---|---|
| City | RIDGELY |
| State | TN |
| Zip | 38080-1606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 05, COUNTY AREA: R20 |
| Legal Subdivision | RILEY II/58 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE TN |
| Township / Civil Division | 3 |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 960200 |
521 Sands St is owned and occupied by two individuals who acquired it in September 2024.
Source: Lake County records, as of January 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 521 SANDS ST, RIDGELY, TN 38080-1606 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2015 · Amount on File |
| Deed Sale | Sep 28, 2015 · Amount on File |
| Prior Sale | Jan 5, 1977 |
| Deed Document Number | 201513311 |
| Deed Book / Page | 42 / 613 |
| Last Transfer Date | Sep 18, 2024 |
| Transfer Doc | 000070/337 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 521 Sands St was $811.
Source: Lake County assessment roll, as of January 27, 2026
| 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 | $811.00 | $17,050 (-) Land $2,625 Building $14,425 | |
| 2024 | $811.00 | $17,050 Land $2,625 Building $14,425 | $68,200 Land $10,500 Building $57,700 |
| 2022 | $538.00 | $11,400 Land $1,100 Building $10,300 | $45,600 Land $4,400 Building $41,200 |
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.
FEMA maps place 521 Sands 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 521 Sands 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 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 |
5G (outdoors only) and 4G LTE
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