Lawrence County property record for 110 W Commerce St, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,840 sqft · built 1900 |
| Lot Size | 1.8 acres (78,408 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Oct 2025) |
| Tax Bill | $822 (2024) |
| Deeds & Mortgages | Dec 2025 Transfer Oct 2025 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151H F 01700 |
| Primary APN | 050151H F 01700 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,840 sqft Living Area |
| 1st Floor Area | 1,206 sqft |
| Upper Floors Area | 1,056 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 78,408 sqft (1.8 acres) |
| Porch | Slab |
| Porch Area | 265 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 110 W COMMERCE ST |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Legal Subdivision | WIGGERMAN PROPERTY |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3051 |
| Census Tract | 960700 |
Source: Lawrence County records, as of August 21, 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 | 110 W COMMERCE ST, LORETTO, TN 38469-2133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 3, 2025 | Intrafamily Transfer, Transfer |
| Oct 17, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CMG MORTGAGE INC |
| Oct 21, 2025 | Warranty Deed, Transfer |
| Oct 17, 2025 | Warranty Deed, Construction Loan · Construction Mortgage CMG MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2025 · Amount on Record |
| Deed Sale | Oct 21, 2025 · Amount on Record |
| Prior Sale | Oct 17, 2025 · Amount on Record |
| Deed Document Number | 20256091 |
| Deed Book / Page | 802 / 43 |
| Prior Transfer Date | May 16, 2025 |
| Prior Transfer Doc | 0000002962 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Dec 3, 2025 |
| Property Address | 110 W COMMERCE ST, LORETTO, TN 38469-2133 |
| Document Number | 0000806540 |
| Book / Page | 806 / 540 |
| Instrument Date | Dec 3, 2025 |
| Instrument | 25006952 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 110 W COMMERCE ST, LORETTO, TN 38469-2133 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 110 W COMMERCE ST, LORETTO, TN 38469-2133 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000801693 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | 801/693 |
| Instrument | 25006032 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | 3160 CROW CANYON RD STE 400, SAN RAMON, CA 94583 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Oct 21, 2025 |
| Property Address | 110 W COMMERCE ST, LORETTO, TN 38469-2133 |
| Document Number | 0000080243 |
| Book / Page | 802 / 43 |
| Instrument Date | Oct 18, 2025 |
| Instrument | 25006091 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 110 W COMMERCE ST, LORETTO, TN 38469-2133 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Oct 17, 2025 |
| Property Address | 110 W COMMERCE ST, LORETTO, TN 38469-2133 |
| Document Number | 0000801670 |
| Book / Page | 801 / 670 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 25006030 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 23, 2026 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $795.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 110 W COMMERCE ST, LORETTO, TN 38469-2133 |
| Document Number | 0025006031 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 25006031 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
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 | $29,225 (-) Land $3,825 Building $25,400 | ||
| 2024 | $822.00 (+20.18%) | $29,225 (-) Land $3,825 Building $25,400 | |
| 2023 | $684.00 | $29,225 (-) Land $3,825 Building $25,400 | |
| 2022 | $684.00 | $29,225 Land $3,825 Building $25,400 | $116,900 Land $15,300 Building $101,600 |
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.
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.
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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 133 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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