604 S Main St, Ridgely, TN 38080 Property Records

Lake County property record for 604 S Main St, Ridgely, TN 38080

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,242 sqft · built 1959
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$182,000 (Jun 2025)
Tax Bill	$1,089 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (high risk)
APN	`048057N A 00200`

Property Details

APN / Parcel Number

Primary APN	`048057N A 00200`
Alternative APN	`057N A 00200`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	1,242 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	158 ft deep x 128 ft wide
Garage Type	Carport
Garage Area	684 sqft
Carport	Carport
Carport Area	684 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	460 sqft
Shed	1 Shed
Shed Area	160 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	604 S MAIN ST
City	RIDGELY
State	TN
Zip	38080-1528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 05, COUNTY AREA: R30
Jurisdiction	LAKE TN
Township / Civil Division	3
Census Block Group	3
Census Block	3020
Census Tract	960200

Owner

Source: Lake County records, as of August 18, 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	604 S MAIN ST, RIDGELY, TN 38080-1528
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2025 · Amount on Record
Deed Sale	Jun 24, 2025 · Amount on Record
Prior Sale	Nov 4, 2020 · Amount on Record
Deed Document Number	202521012
Deed Book / Page	73 / 52
Transfer Doc	0025000068
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE TN
Recording Date	Nov 4, 2020
Property Address	604 S MAIN ST, RIDGELY, TN 38080-1528
Document Number	000057/343
Book / Page	57 / 343
Instrument Date	Oct 30, 2020
Instrument	17298
Transaction Type	Transfer
Record Updated	Mar 7, 2022
Title Company	DYER LAND TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
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	604 S MAIN ST, RIDGELY, TN 38080-1528

Mortgage

Document Number	0000017299
Date	Nov 4, 2020
Instrument	17299

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of January 27, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,089.00	$22,900 (-) Land $3,225 Building $19,675
2024	$1,089.00 (+62.78%)	$22,900 (+61.55%) Land $3,225 Building $19,675	$91,600 (+61.55%) Land $12,900 Building $78,700
2022	$669.00	$14,175 Land $1,975 Building $12,200	$56,700 Land $7,900 Building $48,800

Assessed value is set for property tax purposes, not a market price estimate; it is 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	Not rated no burnable land within 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 55 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

Nearby Properties on S Main St

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