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525 Sands St, Ridgely, TN 38080 Property Records

Lake County property record for 525 Sands St, Ridgely, TN 38080

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,073 sqft · built 1967
Lot Size0.27 acres (11,761 sqft)
Owner2 Individual Names on Record
Tax Bill$821 (2025)
Deeds & MortgagesApr 2026 Line of Credit
Sep 2018 Transfer
Flood ZoneZone X (high risk)
APN048057K L 02300

Property Details

APN / Parcel Number

Primary APN048057K L 02300
Alternative APN
  • 057K L 02300

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,073 sqft Living Area
1st Floor Area1,073 sqft
Utility RoomUtility Room
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1967
Effective Year BuiltEffective 1967
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,761 sqft (0.27 acres)
Lot Dimensions170 ft deep x 73 ft wide
Garage TypeCarport
Garage Area315 sqft
CarportCarport
Carport Area315 sqft
Parking Spaces1 Parking Space
Utility Building240 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address525 SANDS ST
CityRIDGELY
StateTN
Zip38080-1606
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 05, COUNTY AREA: R30
Legal SubdivisionRILEY II-58
JurisdictionLAKE TN
Township / Civil Division3
Census Block Group3
Census Block3016
Census Tract960200

Owner

Source: Lake County records, as of May 21, 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 Record2 Individual Names on Record
Mailing Address525 SANDS ST, 29, RIDGELY, TN 38080-1606
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2026Deed of Trust, Mortgage · Line of Credit
REGIONS BANK
Sep 21, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 23, 1967
Deed SaleOct 23, 1967
Deed Book / PageII / 89
Last Transfer DateSep 21, 2018
Transfer Doc0000051/89
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE TN
Recording DateApr 30, 2026
Property Address525 SANDS ST, RIDGELY, TN 38080-1606
Document Number0000021685
Book / Page76 / 508
Instrument DateApr 10, 2026
Instrument202621685
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address525 SANDS ST, RIDGELY, TN 38080-1606

Mortgage

Document Number0000021685,
DateApr 30, 2026
Book Page76/508
Instrument202621685
Lender
NameREGIONS BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMay 3, 2056
Interest
Rate6.11%
Max Rate-1%

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAKE TN
Recording DateSep 21, 2018
Property Address525 SANDS ST, RIDGELY, TN 38080-1606
Document Number0000015648
Book / Page000051 / 000089
Instrument DateSep 21, 2018
Instrument15648
Transaction TypeTransfer
Record UpdatedOct 8, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 29 RIDEKY TN 38170, RIDEKY, TN 38170

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTennessee
CountyLake County
MunicipalityRidgely Town
Unified School DistrictLake County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$821.00$17,275 (-) Land $2,625 Building $14,650
2024$821.00 (+53.46%)$17,275 (+52.54%) Land $2,625 Building $14,650$69,100 (+52.54%) Land $10,500 Building $58,600
2022$535.00$11,325 Land $1,175 Building $10,150$45,300 Land $4,700 Building $40,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood ZoneZone X
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Nearby Flood Policies2 in force
Nearby Flood Claims2 (1997–2011)
Claims Outside the SFHA1 of 2
Most Recent ClaimMay 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

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

Wildfire RiskLow
lower than 98% of the US · lower than 98.3% of Tennessee
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemRIDGELY WATER SYSTEM
serves 2,059 people · EPA ID TN0000579
Water SourceGroundwater
Last State InspectionDec 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Jul 2025
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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