Lawrence County property record for 107 Smith Cir, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,750 sqft · built 1973 |
| Lot Size | 0.778 acres (33,929 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,059 (2023) |
| Deeds & Mortgages | Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 050141 04605 |
| Primary APN | 050141 04605 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,750 sqft Living Area |
| 1st Floor Area | 1,750 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 33,929 sqft (0.778 acres) |
| Garage Type | Mixed |
| Garage Area | 576 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 115 sqft |
| Utility Building | 240 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 107 SMITH CIR |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2375 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 960700 |
Source: Lawrence County records, as of May 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 107 SMITH CIR, LORETTO, TN 38469-2375 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 1996 |
| Deed Sale | Mar 4, 1996 |
| Prior Sale | May 12, 1992 · Amount on Record |
| Deed Book / Page | 284 / 610 |
| Transfer Doc | 0284000610 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 107 SMITH CIR, LORETTO, TN 38469-2375 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 596485 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 596/485 |
| Instrument | 20003277 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 1, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lawrence County assessment roll, as of January 23, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lawrence County |
| Municipality | Loretto City |
| Unified School District | Lawrence County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $45,250 (-) Land $2,500 Building $42,750 | ||
| 2023 | $1,059.00 | $45,250 (-) Land $2,500 Building $42,750 | |
| 2022 | $1,059.00 | $45,250 Land $2,500 Building $42,750 | $181,000 Land $10,000 Building $171,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 17, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LORETTO WATER DEPARTMENT serves 5,054 people · EPA ID TN0000408 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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, 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 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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