Lake County property record for 582 McCutchen St, Ridgely, TN 38080
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 950 sqft · built 1972 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $801 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit |
| Flood Zone | Zone X (high risk) |
| APN | 048057K L 01700 |
| Primary APN | 048057K L 01700 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 950 sqft Living Area |
| 1st Floor Area | 950 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 158 ft deep x 140 ft wide |
| Garage Type | Carport |
| Garage Area | 350 sqft |
| Carport | Carport |
| Carport Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 84 sqft |
| Utility Building | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 582 MCCUTCHEN ST |
|---|---|
| City | RIDGELY |
| State | TN |
| Zip | 38080-1608 |
| 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 | 8 |
| Jurisdiction | LAKE TN |
| Township / Civil Division | 3 |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 960200 |
Source: Lake County records, as of May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 582 MCCUTCHEN ST, RIDGELY, TN 38080-1608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 31, 2001 |
| Deed Sale | Jan 31, 2001 |
| Prior Sale | Dec 11, 1996 · Amount on Record |
| Deed Book / Page | 2 / 48 |
| Last Transfer Date | Aug 17, 2011 |
| Transfer Doc | 0000031/31 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE TN |
| Property Address | 582 MCCUTCHEN ST, RIDGELY, TN 38080-1608 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000067/512 |
|---|---|
| Date | Oct 2, 2023 |
| Book Page | 67/512 |
| Instrument | 19760 |
| Name | FIRST CITIZENS NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DYERSBURG, TN 38025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Sep 6, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $801.00 | $16,850 (-) Land $2,550 Building $14,300 | |
| 2024 | $801.00 (+49.16%) | $16,850 (+48.13%) Land $2,550 Building $14,300 | $67,400 (+48.13%) Land $10,200 Building $57,200 |
| 2022 | $537.00 | $11,375 Land $1,625 Building $9,750 | $45,500 Land $6,500 Building $39,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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