Lauderdale County property record for 649 Caldwell Rd, Ripley, TN 38063
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,490 sqft · built 1986 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Jun 2021) |
| Tax Bill | $887 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 049059 01209 |
| Primary APN | 049059 01209 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,490 sqft Living Area |
| 1st Floor Area | 1,500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Type | Mixed |
| Garage Area | 360 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 420 sqft |
| Utility Building | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 649 CALDWELL RD |
|---|---|
| City | RIPLEY |
| State | TN |
| Zip | 38063-6751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 06, COUNTY AREA: F10 1 ADDITIONAL MOBILE HOME |
| Jurisdiction | LAUDERDALE TN |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 50503 |
649 Caldwell Rd is owned and occupied by an individual who bought it in June 2021.
Source: Lauderdale County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 649 CALDWELL RD, RIPLEY, TN 38063-6751 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2021 · Amount on File |
| Deed Sale | Jun 17, 2021 · Amount on File |
| Deed Document Number | 0000757312 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAUDERDALE TN |
| Property Address | 649 CALDWELL RD, RIPLEY, TN 38063-6751 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 649 CALDWELL RD, RIPLEY, TN 38063-6751 |
| Document Number | 000783/183 |
|---|---|
| Date | Nov 21, 2022 |
| Book Page | 783/183 |
| Instrument | 201358 |
| Name | BANK OF RIPLEY |
|---|---|
| Type | Bank |
| Address | RIPLEY, TN 38063 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 62 Months |
| Due | Jan 1, 2028 |
The 2025 property tax bill for 649 Caldwell Rd was $887.
Source: Lauderdale County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lauderdale County |
| Unified School District | Lauderdale County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $887.00 | $34,925 Land $8,700 Building $26,225 | |
| 2023 | $34,925 Land $8,700 Building $26,225 | ||
| 2021 | $139,700 Land $34,800 Building $104,900 | ||
| 2018 | $698.00 |
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.
FEMA maps place 649 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 |
|
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 risk around 649 Caldwell Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 49% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
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 |
4G LTE (outdoors only), no 5G reported
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