Lake County property record for 579 McCutchen St, Ridgely, TN 38080
| Property Type | Duplex |
|---|---|
| Details | 2 ba · 1,800 sqft · built 1991 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $96,500 (Aug 1991) |
| Tax Bill | $2,070 (2025) |
| Deeds & Mortgages | Dec 2019 Line of Credit |
| Flood Zone | Zone X (high risk) |
| APN | 048057K L 00700 |
| Primary APN | 048057K L 00700 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,800 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1991 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 198 ft deep x 47 ft wide |
| Porch | Open Porch |
| Porch Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 579 MCCUTCHEN ST |
|---|---|
| City | RIDGELY |
| State | TN |
| Zip | 38080-1642 |
| 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 | 6 |
| Jurisdiction | LAKE TN |
| Township / Civil Division | 3 |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 960200 |
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 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 1991 · Amount on Record |
| Deed Sale | Aug 12, 1991 · Amount on Record |
| Deed Document Number | 0000L-1328 |
| Deed Book / Page | L-1 / 328 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE TN |
| Property Address | 579 MCCUTCHEN ST, RIDGELY, TN 38080-1642 |
| Document Number | 0000016728 |
| Instrument Date | Dec 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 400 N MAIN ST RIDGELY TN 380801123, RIDGELY, TN 38080-1123 |
| Document Number | 0000016728 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 000054/000840 |
| Instrument | 16728 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803-4360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 11, 2030 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,070.00 | $43,520 (-) Land $4,560 Building $38,960 | |
| 2024 | $2,070.00 (+52.43%) | $43,520 (+51.32%) Land $4,560 Building $38,960 | $108,800 (+51.32%) Land $11,400 Building $97,400 |
| 2022 | $1,358.00 | $28,760 Land $2,040 Building $26,720 | $71,900 Land $5,100 Building $66,800 |
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.
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.
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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