Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$90,103$78 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 83How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

445 N COLLEGE ST

RIDGELY, TN 38080
1
Baths
1,153 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1965
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$90K
$75K low$105K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$38,290
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$30,632
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.50%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$51,813
AMERICAN SOUTHWEST MORTGAGE · recorded Aug 2, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$757 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$15,925 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$13,625
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$15,925
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$63,700

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyLAKE
Lot (acres)The size of the land the home sits on, from county records.0.22
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 138 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Lara Kendall Elementary SchoolC
Middle · Grades 3–8 · 0.3 mi
H
Lake County High SchoolD
High · Grades 9–12 · 7.3 mi
E
Margaret Newton Elementary School
Elementary · Grades PK–2 · 7.5 mi

District: Lake County School District

Neighborhood · ZIP 38080These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.136
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.714

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.0%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.25%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.2,239
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.17 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$44,554
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$60,054
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

445 N College St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Smaller than 65% of homes in Ridgely 38080
  • Has a smaller lot than 82% of homes in Ridgely 38080

What homes are worth in Ridgely 38080

Each bar is how many homes fall in that price range. The marker is this home.

This home
$35K$319K

This home is worth more than 42% of homes in Ridgely 38080.

How it measures up in Ridgely 38080

The dot is this home. The mark in the middle is the typical home in Ridgely 38080.

Estimated value$90,103
CheaperTypical $99,540Pricier

Pricier than 42% of homes nearby

Price per ft²$78
CheaperTypical $76Pricier

Pricier than 53% of homes nearby

Living area1,153 ft²
SmallerTypical 1,300 ft²Bigger

Bigger than 35% of homes nearby

Lot size0.22 ac
SmallerTypical 0.39 acBigger

Bigger than 18% of homes nearby

Year built1965
OlderTypical 1967Newer

Newer than 48% of homes nearby

How 445 N College St ranks against every home in each area.
MeasureThis homeRidgely 38080Lake County
Estimated valuepricier than$90,10342% of homes40% of homes
Price per ft²pricier than$7853% of homes48% of homes
Living areabigger than1,153 ft²35% of homes36% of homes
Lot sizebigger than0.22 ac18% of homes24% of homes
Year builtnewer than196548% of homes49% of homes

About 445 N College St

How much is 445 N College St, Ridgely, TN worth?

The TopHap Estimate for 445 N College St, Ridgely, TN is $90,103 as of Jul 14, 2026. The likely range is $75,148 to $105,058. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 445 N College St, Ridgely, TN last sell?

445 N College St, Ridgely, TN last sold on Nov 20, 2013, according to the county's recorded deed.

How big is 445 N College St, Ridgely, TN?

445 N College St, Ridgely, TN has 1 bathrooms, 1,153 square feet of living space and a 0.22-acre lot.

When was 445 N College St, Ridgely, TN built?

445 N College St, Ridgely, TN was built in 1965, making it 61 years old. The building has 1 story.

What schools serve 445 N College St, Ridgely, TN?

445 N College St, Ridgely, TN is assigned to Lara Kendall Elementary School (middle), rated C; Lake County High School (high), rated D; Margaret Newton Elementary School (elementary). All sit in Lake County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 445 N College St, Ridgely, TN compare to other homes in Ridgely 38080?

Among the 936 homes in Ridgely 38080, it is worth more than 42% of them ($90,103 against a typical $99,540), its price per square foot is higher than 53% of them ($78 against a typical $76), it is bigger than 35% of them (1,153 ft² against a typical 1,300 ft²), its lot is bigger than 18% of them (0.22 ac against a typical 0.39 ac) and it is newer than 48% of them (1965 against a typical 1967). Measured against all of Lake County, it is worth more than 40% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 445 N College St, Ridgely, TN?

The 2025 property tax bill for 445 N College St, Ridgely, TN was $757. The county assessed it at $15,925.

Closest homes

More homes in Ridgely 38080

Assigned schools

Explore the area

See this home in context

Open 445 N College St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map