583 McCutchen St, Ridgely, TN 38080 Property Records

Lake County property record for 583 McCutchen St, Ridgely, TN 38080

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,572 sqft · built 1972
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$92,400 (Dec 2021)
Tax Bill	$516 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (high risk)
APN	`048057K L 00800`

Property Details

APN / Parcel Number

Primary APN	`048057K L 00800`
Alternative APN	`057K L 00800`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,572 sqft Living Area
1st Floor Area	2,572 sqft
Basement Area	1,662 sqft
Finished Basement	1,662 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1983
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	171 ft deep x 60 ft wide
Porch	Slab
Porch Area	52 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	583 MCCUTCHEN ST
City	RIDGELY
State	TN
Zip	38080-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05, COUNTY AREA: R20
Legal Subdivision	RILEY II/58
Legal Block	1
Legal Lot Number	5
Jurisdiction	LAKE TN
Township / Civil Division	3
Census Block Group	3
Census Block	3015
Census Tract	960200

Owner

Source: Lake County records · APN 048057K L 00800

Assessment roll updated January 27, 2026 · Last verified April 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 File
Mailing Address	583 MCCUTCHEN ST, RIDGELY, TN 38080-1607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Feb 04, 2014 · Amount on Record
Deed Document Number	202118273
Deed Book / Page	61 / 390
Prior Transfer Date	Dec 13, 2021
Prior Transfer Doc	000061/392
Record Updated	Jun 08, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE TN
Recording Date	Dec 16, 2021
Property Address	583 MCCUTCHEN ST, RIDGELY, TN 38080-1607
Document Number	000061/390
Book / Page	61 / 390
Map Reference	MB II PG 59
Instrument Date	Dec 13, 2021
Instrument	18273
Transaction Type	Transfer
Record Updated	Sep 01, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$341.88
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	583 MCCUTCHEN ST, RIDGELY, TN 38080-1607

Mortgage

Document Number	000061/392
Date	Dec 16, 2021
Book Page	61/392
Instrument	18274

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated January 27, 2026 · Last verified April 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$516.00	$10,850 (-) Land $2,625 Building $8,225
2024	$516.00 (+29%)	$10,850 (+28.02%) Land $2,625 Building $8,225	$43,400 (+28.02%) Land $10,500 Building $32,900
2022	$400.00	$8,475 Land $1,075 Building $7,400	$33,900 Land $4,300 Building $29,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 4, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Gibson Electric Membership Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 306 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	RIDGELY WATER SYSTEM serves 2,059 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.