Lake County property record for 601 McCutchen St, Ridgely, TN 38080
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,108 sqft · built 1930 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $765 (2025) |
| Deeds & Mortgages | Aug 2022 Construction Loan Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 048057K K 01500 |
| Primary APN | 048057K K 01500 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,108 sqft Living Area |
| 1st Floor Area | 1,108 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 153 ft deep x 125 ft wide |
| Garage Type | Detached |
| Garage Area | 875 sqft |
| Parking Spaces | 3 Parking Spaces |
| Utility Building | 875 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 601 MCCUTCHEN ST |
|---|---|
| City | RIDGELY |
| State | TN |
| Zip | 38080-1609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 05, COUNTY AREA: R30 |
| Legal Subdivision | MC CUTCHEN M-500 |
| Legal Block | 4 |
| Legal Lot Number | 1 2 |
| Jurisdiction | LAKE TN |
| Township / Civil Division | 3 |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 960200 |
Source: Lake County records · APN 048057K K 01500
Assessment roll updated May 20, 2025 · Last verified February 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 | 601 MCCUTCHEN ST, RIDGELY, TN 38080-1609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 05, 2022 | Deed of Trust, Mortgage · Construction Mortgage BANCORPSOUTH BANK |
| Apr 25, 2017 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 02, 2016 |
| Deed Sale | Sep 02, 2016 |
| Deed Document Number | 14015 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE TN |
| Property Address | 601 MCCUTCHEN ST, RIDGELY, TN 38080-1609 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 601 MCCUTCHEN ST, RIDGELY, TN 38080-1609 |
| Document Number | 000063/774 |
|---|---|
| Date | Aug 05, 2022 |
| Book Page | 63/774 |
| Instrument | 18898 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | RIDGELY, TN 38080 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jul 26, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE TN |
| Property Address | 601 MCCUTCHEN ST, RIDGELY, TN 38080-1609 |
| Document Number | 0000014617 |
| Book / Page | 000047 / 000115 |
| Instrument Date | Apr 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2017 |
| Name | Verified Name |
|---|---|
| Address | 601 MCCUTCHEN ST RIDGELY TN 380801609, RIDGELY, TN 38080-1609 |
| Document Number | 0000014617 |
|---|---|
| Date | May 18, 2017 |
| Book Page | 000047/000115 |
| Instrument | 14617 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803-4360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 17, 2022 |
| Rate Type | Adjustable Rate |
|---|
Source: Lake County records · Assessment roll updated May 20, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lake County |
| Municipality | Ridgely Town |
| Unified School District | Lake County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $765.00 | $16,075 (-) Land $3,075 Building $13,000 | |
| 2024 | $765.00 (+59.71%) | $16,075 (+58.37%) Land $3,075 Building $13,000 | $64,300 (+58.37%) Land $12,300 Building $52,000 |
| 2022 | $479.00 | $10,150 Land $1,625 Building $8,525 | $40,600 Land $6,500 Building $34,100 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone X, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 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.
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.
5G (outdoors only) and 4G LTE
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 |
| 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.
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