Lawrence County property record for 109 2nd Ave S, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 923 sqft · built 1960 |
| Lot Size | 0.247 acres (10,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $53,000 (Jul 2012) |
| Tax Bill | $505 (2023) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151H C 01000 |
| Primary APN | 050151H C 01000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 923 sqft Living Area |
| 1st Floor Area | 923 sqft |
| Basement Area | 572 sqft |
| Unfinished Basement | 572 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,800 sqft (0.247 acres) |
| Lot Dimensions | 150 ft deep x 72 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 117 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 109 2ND AVE S |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3049 |
| Census Tract | 960700 |
109 2nd Ave S is owned and occupied by two individuals who bought it in July 2012.
Source: Lawrence County records, as of May 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 2ND AVE S, LORETTO, TN 38469-2122 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2012 · Amount on File |
| Deed Sale | Jul 13, 2012 · Amount on File |
| Prior Sale | Oct 1, 1998 · Amount on File |
| Deed Document Number | 20123262 |
| Deed Book / Page | 388 / 752 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 109 2ND AVE S, LORETTO, TN 38469-2122 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 652147 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 652/147 |
| Instrument | 21006902 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, TN 37064 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
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 | $21,575 Land $1,375 Building $20,200 | ||
| 2023 | $505.00 | $21,575 (-) Land $1,375 Building $20,200 | |
| 2022 | $505.00 | $21,575 Land $1,375 Building $20,200 | $86,300 Land $5,500 Building $80,800 |
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 109 2nd Ave S in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 17, 2016 · 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 |
| Nearby Flood Policies | 1 in force |
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 109 2nd Ave S 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.
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 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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