Lake County property record for 628 Sands St, Ridgely, TN 38080
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 812 sqft · built 1950 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (Jul 2023) |
| Tax Bill | $469 (2025) |
| Deeds & Mortgages | Jul 2023 Sale Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 048057K J 01700 |
| Primary APN | 048057K J 01700 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 812 sqft Living Area |
| 1st Floor Area | 812 sqft |
| Interior Walls | Paneling |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 86 ft deep x 83 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 118 sqft |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 628 SANDS ST |
|---|---|
| City | RIDGELY |
| State | TN |
| Zip | 38080-1618 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 05, COUNTY AREA: R20 |
| Legal Subdivision | MCCUTCHEN M-500 |
| Legal Lot Number | 15 14 |
| Jurisdiction | LAKE TN |
| Township / Civil Division | 3 |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 960200 |
Source: Lake County records, as of January 26, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2434 FAIRWAY DR, DYERSBURG, TN 38024-8936 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2023 | Warranty Deed, Transfer DYER LAND TITLE COMPANY, DYER LAND TITLE COMPANY INC |
| Dec 22, 2020 | Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK |
| Dec 22, 2020 | Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK |
| Dec 16, 2020 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2023 · Amount on Record |
| Deed Sale | Jul 27, 2023 · Amount on Record |
| Deed Document Number | 0000006742 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE TN |
| Recording Date | Jul 31, 2023 |
| Property Address | 628 SANDS ST, RIDGELY, TN 38080-1618 |
| Document Number | 0000067/42 |
| Book / Page | 67 / 42 |
| Map Reference | MB M PG 500 |
| Instrument Date | Jul 27, 2023 |
| Instrument | 19658 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Title Company | DYER LAND TITLE COMPANY, DYER LAND TITLE COMPANY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $481.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2434 FAIRWAY DR, DYERSBURG, TN 38024-8936 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE TN |
| Property Address | 628 SANDS ST, RIDGELY, TN 38080-1618 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 116 CHRONICLES DR, MEDINA, TN 38355-8805 |
| Document Number | 0000017396 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 57/707 |
| Instrument | 17396 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | HUMBOLDT, TN 38343 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE TN |
| Property Address | 628 SANDS ST, RIDGELY, TN 38080-1618 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000017395 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 57/695 |
| Instrument | 17395 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | HUMBOLDT, TN 38343 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE TN |
| Property Address | 628 SANDS ST, RIDGELY, TN 38080-1618 |
| Document Number | 0000017393 |
| Instrument Date | Dec 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2021 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 116 CHRONICLES DR MEDINA TN 383558805, MEDINA, TN 38355-8805 |
| Document Number | 0000017393 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 000057/000671 |
| Instrument | 17393 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | HUMBOLDT, TN 38343 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Dec 21, 2022 |
| Rate Type | Adjustable Rate |
|---|
Source: Lake County assessment roll, as of May 20, 2025
| 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 | $469.00 | $9,850 (-) Land $1,825 Building $8,025 | |
| 2024 | $469.00 (+71.79%) | $9,850 (+70.56%) Land $1,825 Building $8,025 | $39,400 (+70.56%) Land $7,300 Building $32,100 |
| 2022 | $273.00 | $5,775 Land $875 Building $4,900 | $23,100 Land $3,500 Building $19,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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 |
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 | 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.
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 |
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