585 McCutchen St, Ridgely, TN 38080 Property Records

Lake County property record for 585 McCutchen St, Ridgely, TN 38080

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,260 sqft · built 1970
Lot Size	0.269 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$50,880 (Oct 2021)
Tax Bill	$899 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Oct 2017 Transfer + 1 more
Flood Zone	Zone X (high risk)
APN	`048057K L 00900`

Property Details

APN / Parcel Number

Primary APN	`048057K L 00900`
Alternative APN	`057K L 00900`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Basement Area	216 sqft
Finished Basement	216 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.269 acres)
Lot Dimensions	169 ft deep x 70 ft wide
Utility Building	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	585 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 ADD
Legal Block	1
Legal Lot Number	4 70
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	585 MCCUTCHEN ST, RIDGELY, TN 38080-1607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Warranty Deed, Transfer · Conventional Mortgage PREFERRED PLUS FINANCIAL CORPORATIO
Oct 31, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2021 · Amount on Record
Deed Sale	Oct 4, 2021 · Amount on Record
Prior Sale	Oct 31, 2017
Deed Document Number	18105
Deed Book / Page	60 / 612
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE TN
Recording Date	Oct 4, 2021
Property Address	585 MCCUTCHEN ST, RIDGELY, TN 38080-1607
Document Number	000060/612
Book / Page	60 / 612
Map Reference	MB II PG 59
Instrument Date	Sep 30, 2021
Instrument	18105
Transaction Type	Transfer
Record Updated	Sep 1, 2022
Title Company	DYER LAND TITLE COMPANY, DYER LAND TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$188.26
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	585 MCCUTCHEN ST, RIDGELY, TN 38080-1607

Mortgage

Document Number	0000018106
Date	Oct 4, 2021
Instrument	18106

Lender

Name	PREFERRED PLUS FINANCIAL CORPORATIO
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE TN
Recording Date	Oct 31, 2017
Property Address	585 MCCUTCHEN ST, RIDGELY, TN 38080-1607
Document Number	0000015014
Book / Page	000048 / 000603
Instrument Date	Oct 31, 2017
Instrument	15014
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	8022 CARAT CIR BARTLETT TN 381332018, BARTLETT, TN 38133-2018

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE TN
Recording Date	Oct 25, 2017
Property Address	585 MCCUTCHEN ST, RIDGELY, TN 38080-1607
Document Number	0000015003
Book / Page	000048 / 000557
Instrument Date	Oct 25, 2017
Instrument	15003
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8022 CARAT CIR BARTLETT TN 381332018, BARTLETT, TN 38133-2018

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	$899.00	$18,900 (-) Land $2,625 Building $16,275
2024	$899.00 (+53.68%)	$18,900 (+52.42%) Land $2,625 Building $16,275	$75,600 (+52.42%) Land $10,500 Building $65,100
2022	$585.00	$12,400 Land $1,250 Building $11,150	$49,600 Land $5,000 Building $44,600

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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