575 McCutchen St, Ridgely, TN 38080 Property Records

Lake County property record for 575 McCutchen St, Ridgely, TN 38080

Property Summary

Property Type	Duplex
Details	2 ba · 1,643 sqft · built 1978
Lot Size	0.43 acres (18,731 sqft)
Owner	Owner Name on Record
Last Sale	$96,500 (Sep 1991)
Tax Bill	$1,341 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (high risk)
APN	`048057K L 00500`

Property Details

APN / Parcel Number

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

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,643 sqft Living Area
1st Floor Area	1,643 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1978
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	156 ft deep x 56 ft wide
Porch	Open Porch
Porch Area	128 sqft
Utility Building	128 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	575 MCCUTCHEN ST
City	RIDGELY
State	TN
Zip	38080-1607
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	DISTRICT: 05 DUPLEX, COUNTY AREA: R20
Legal Subdivision	RILEY II/58
Legal Block	1
Legal Lot Number	8
Jurisdiction	LAKE TN
Township / Civil Division	3
Census Block Group	3
Census Block	3015
Census Tract	960200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	PO BOX 145, RIDGELY, TN 38080-0145

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Non-Conforming Investor Loan BANCORPSOUTH BANK
Jun 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 1991 · Amount on Record
Deed Sale	Sep 18, 1991 · Amount on Record
Deed Document Number	0000L-1328
Deed Book / Page	L-1 / 328
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE TN
Property Address	575 MCCUTCHEN ST, RIDGELY, TN 38080-1607
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000059/248
Date	Jun 1, 2021
Book Page	59/248
Instrument	17739

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	RIDGELY, TN 38080

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE TN
Property Address	575 MCCUTCHEN ST, RIDGELY, TN 38080-1645
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 N MAIN ST, RIDGELY, TN 38080-1123

Mortgage

Document Number	59/262
Date	Jun 1, 2021
Book Page	59/262
Instrument	17740

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	RIDGELY, TN 38080

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 30, 2036

Tax Assessment & Valuation

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	$1,341.00	$28,200 (-) Land $4,920 Building $23,280
2024	$1,341.00 (+46.72%)	$28,200 (+45.66%) Land $4,920 Building $23,280	$70,500 (+45.66%) Land $12,300 Building $58,200
2022	$914.00	$19,360 Land $2,880 Building $16,480	$48,400 Land $7,200 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.

Flood

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

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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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