103 E Commerce St, Loretto, TN 38469 Property Records

Lawrence County property record for 103 E Commerce St, Loretto, TN 38469

Property Summary

Property Type	Grocery, Supermarket
Details	1.5 ba · 3,201 sqft · built 1999
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Company Names on File
Last Sale	$554,000 (Dec 2024)
Tax Bill	$6,227 (2024)
Deeds & Mortgages	Dec 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`050151G B 00400`

Property Details

APN / Parcel Number

Primary APN	`050151G B 00400`
Alternative APN	`151G B 00400`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	3,201 sqft Total Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Roof Type	Rigid Frame Bar Joist
Roof Material	Built-Up Asphalt
Lot Area	48,787 sqft (1.12 acres)
Terrain	Rolling
Canopy	5,000 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	103 E COMMERCE ST
City	LORETTO
State	TN
Zip	38469
Property Category	Commercial
Property Type	Commercial > Retail > Grocery, Supermarket
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	2
Census Block Group	2
Census Block	2024
Census Tract	960700

Owner

Source: Lawrence County records · APN 050151G B 00400

Assessment roll updated January 23, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	PO BOX 363, LORETTO, TN 38469-0363
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 06, 2024 · Amount on Record
Deed Sale	Dec 06, 2024 · Amount on Record
Prior Sale	Apr 27, 2004 · Amount on Record
Deed Document Number	20246625
Deed Book / Page	766 / 942
Last Transfer Date	May 16, 2025
Transfer Doc	0000002962
Record Updated	Sep 20, 2026

December 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Dec 06, 2024
Property Address	103 E COMMERCE ST, LORETTO, TN 38469
Document Number	0000766942
Book / Page	766 / 942
Map Reference	MB 262 PGS 73-74
Instrument Date	Dec 05, 2024
Instrument	24006625
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Amount	Amount Recorded
Tax	$2,049.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1565, LAWRENCEVILLE, GA 30046-1565

Tax Assessment & Valuation

Source: Lawrence County records · Assessment roll updated January 23, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Lawrence County
Municipality	Loretto City
Unified School District	Lawrence County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$221,600 (-) Land $11,440 Building $210,160
2024	$6,227.00 (+20.07%)	$221,600 (-) Land $11,440 Building $210,160
2023	$5,186.00	$221,600 (-) Land $11,440 Building $210,160
2022	$5,186.00	$221,600 Land $11,440 Building $210,160	$554,000 Land $28,600 Building $525,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 17, 2016 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Loretto Telephone Company Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 133 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LORETTO WATER DEPARTMENT serves 5,054 people
Water Source	Groundwater influenced by surface water
Last State Inspection	Feb 2026
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.