541 Caldwell Rd, Ripley, TN 38063 Property Records

Lauderdale County property record for 541 Caldwell Rd, Ripley, TN 38063

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,883 sqft · built 1986
Lot Size	5.9 acres (257,440 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Apr 1990)
Tax Bill	$818 (2025)
Deeds & Mortgages	Aug 2024 Second Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`049059 01216`

Property Details

APN / Parcel Number

Primary APN	`049059 01216`
Alternative APN	`059 01216`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,883 sqft Living Area
1st Floor Area	1,883 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	257,440 sqft (5.9 acres)
Garage Type	Unfinished
Garage Area	306 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	500 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	541 CALDWELL RD
City	RIPLEY
State	TN
Zip	38063-6749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 06, COUNTY AREA: F10
Legal Subdivision	CECIL W HUTCHISON SURV
Jurisdiction	LAUDERDALE TN
Township / Civil Division	6
Census Block Group	2
Census Block	2001
Census Tract	50503

Owner

541 Caldwell Rd is owned and occupied by an individual who acquired it in January 2026.

Source: Lauderdale County records, as of January 29, 2026

Owner of Record	Individual Name on File
Mailing Address	541 CALDWELL RD, RIPLEY, TN 38063-6749
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Sep 1, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Jan 22, 2026	Executor's Deed, Transfer
Oct 4, 2019	Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HOME MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 1990 · Amount on File
Deed Sale	Apr 5, 1990 · Amount on File
Prior Sale	Feb 12, 1999 · Amount on File
Deed Book / Page	059
Last Transfer Date	Jan 22, 2026
Transfer Doc	000836/416
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE TN
Property Address	541 CALDWELL RD, RIPLEY, TN 38063-6749
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000810/177
Date	Aug 28, 2024
Book Page	810/177
Instrument	207150

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	1 W ELM ST STE 450, CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2039

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE TN
Property Address	541 CALDWELL RD, RIPLEY, TN 38063-6749
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000761/93
Date	Sep 1, 2021
Book Page	761/93
Instrument	196581

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

January 2026: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Jan 22, 2026
Property Address	541 CALDWELL RD, RIPLEY, TN 38063-6749
Document Number	000836/416
Book / Page	836 / 416
Map Reference	CAB 1 PG 122
Instrument Date	Jan 16, 2026
Instrument	212419
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount on Record
Tax	$9.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 CALDWELL RD, RIPLEY, TN 38063-6749
Investor	Possibly a Property Investor

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE TN
Property Address	541 CALDWELL RD, RIPLEY, TN 38063-6749
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 CALDWELL RD, RIPLEY, TN 38063-6749

Mortgage

Document Number	0000189974
Date	Oct 4, 2019
Book Page	0000000731/0000000736
Instrument	189974

Lender

Name	MERIDIAN HOME MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 541 Caldwell Rd was $818.

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Lauderdale County
Unified School District	Lauderdale County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$818.00	$32,200 (-) Land $4,200 Building $28,000
2024	$818.00	$32,200 (-) Land $4,200 Building $28,000
2023		$32,200 Land $4,200 Building $28,000
2021			$128,800 Land $16,800 Building $112,000
2018	$786.00

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 541 Caldwell Rd in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 28, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	43 (1978–2018)
Claims Outside the SFHA	4 of 43
Most Recent Claim	Mar 2018 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, May 2011 · 5 claims Severe Storms & Flooding, Jan 1991 · 4 claims

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 541 Caldwell Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	LAUDERDALE CO WATER SYSTEM serves 9,092 people · EPA ID TN0000581
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Forked Deer Connect Fiber	2,500 / 1,250
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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