638 Caldwell Rd, Ripley, TN 38063 Property Records

Lauderdale County property record for 638 Caldwell Rd, Ripley, TN 38063

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,154 sqft · built 2007
Lot Size	5.19 acres (226,076 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Nov 2018)
Tax Bill	$1,206 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`049059 03206`

Property Details

APN / Parcel Number

Primary APN	`049059 03206`
Alternative APN	`059 03206`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,154 sqft Living Area
1st Floor Area	1,830 sqft
Basement Area	324 sqft
Finished Basement	324 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	226,076 sqft (5.19 acres)
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Patio Area	288 sqft
Utility Building	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	638 CALDWELL RD
City	RIPLEY
State	TN
Zip	38063-6750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 06, COUNTY AREA: F10
Jurisdiction	LAUDERDALE TN
Township / Civil Division	6
Census Block Group	2
Census Block	2000
Census Tract	50503

Owner

638 Caldwell Rd is owned and occupied by an individual who acquired it in August 2025.

Source: Lauderdale County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	638 CALDWELL RD, RIPLEY, TN 38063-6750
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage ALFRED BLANKENSHIP
Aug 21, 2025	Intrafamily Transfer, Transfer
Nov 29, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Nov 29, 2018	Warranty Deed, Transfer · Conventional with PMI SUPREME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2018 · Amount on File
Deed Sale	Nov 29, 2018 · Amount on File
Prior Sale	Mar 22, 2005 · Amount on File
Deed Document Number	20187347
Deed Book / Page	720 / 600
Last Transfer Date	Aug 15, 2025
Transfer Doc	000829/121
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAUDERDALE TN
Property Address	638 CALDWELL RD, RIPLEY, TN 38063-6750
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000837/182
Date	Feb 10, 2026
Book Page	837/182
Instrument	212564

Lender

Name	ALFRED BLANKENSHIP
Type	Private Party
Address	293 TURKEY HILL RD, RIPLEY, TN 38063

Agreement

Amount	Amount on Record

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAUDERDALE TN
Recording Date	Aug 21, 2025
Property Address	638 CALDWELL RD, RIPLEY, TN 38063-6750
Document Number	000829/121
Book / Page	829 / 121
Instrument Date	Aug 15, 2025
Instrument	211018
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 305170, NASHVILLE, TN 37230-5170
Mail Care Of	VOLUNTEER MTG LOANS SERVICING

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Nov 29, 2018
Property Address	638 CALDWELL RD, RIPLEY, TN 38063-6750
Document Number	0000187348
Book / Page	000720 / 000603
Instrument Date	Nov 28, 2018
Instrument	187348
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 CALDWELL RD RIPLEY TN 380636750, RIPLEY, TN 38063-6750

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAUDERDALE TN
Recording Date	Nov 29, 2018
Property Address	638 CALDWELL RD, RIPLEY, TN 38063-6750
Document Number	0000187347
Book / Page	000720 / 000600
Instrument Date	Nov 28, 2018
Instrument	187347
Transaction Type	Transfer
Record Updated	Dec 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$647.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 CALDWELL RD RIPLEY TN 380636750, RIPLEY, TN 38063-6750

Mortgage

Document Number	187349
Date	Nov 29, 2018
Book Page	000720/000606
Instrument	187349

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 28, 2048

Mortgage

Document Number	187350,
Date	Nov 29, 2018
Book Page	000720/000622
Instrument	187350

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	502 DEADERICK ST # 3RD, NASHVILLE, TN 37243-0200

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 638 Caldwell Rd was $1,206.

Source: Lauderdale County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Lauderdale County
Unified School District	Lauderdale County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,206.00	$47,475 (-) Land $5,525 Building $41,950
2024	$1,206.00	$47,475 (-) Land $5,525 Building $41,950
2023		$47,475 Land $5,525 Building $41,950
2021			$189,900 Land $22,100 Building $167,800
2018	$1,193.00

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

FEMA maps place 638 Caldwell Rd in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 28, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	43 (1978–2018)
Claims Outside the SFHA	4 of 43
Most Recent Claim	Mar 2018 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, May 2011 · 5 claims Severe Storms & Flooding, Jan 1991 · 4 claims

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

Wildfire risk around 638 Caldwell Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LAUDERDALE CO WATER SYSTEM serves 9,092 people · EPA ID TN0000581
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Forked Deer Connect Fiber	2,500 / 1,250
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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