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113 E Commerce St, Loretto, TN 38469 Property Records

Lawrence County property record for 113 E Commerce St, Loretto, TN 38469 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms1 Baths
Year BuiltBuilt 1982
Square Footage1,505 sqft Living Area
Lot Size30,000 sqft (0.688 acres)
GarageCarport, 231 sqft
Last Sale$149,900 (2022)

Property Details

APN / Parcel Number

Primary APN050151G B 00200
Alternative APN
  • 151G B 00200

Interior

Full Baths1 Baths
Building Area1,505 sqft Living Area
1st Floor1,505 sqft 1st Floor
Stories1 Stories
Primary FlooringHardwood Flooring
Interior StructurePaneling Interior Structure

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1982
Exterior MaterialBrick Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area30,000 sqft (0.688 acres)
Depth X Width200 ft x 150 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeCarport Garage
Garage Area231 sqft Garage
CarportCarport
Carport Area231 sqft Carport
Utility Building120 sqft Utility Building

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating
SewageSewage Connected
Water SourceCommercial Water Source

Location & Zoning

Street Address113 E COMMERCE ST
CityLORETTO
StateTN
Zip38469-2301
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 2
JurisdictionLAWRENCE TN
Minor Civil Division2
Census Blockgroup2
Census Block2024
Census Tract960700

Owner

Source: Lawrence County records · APN 050151G B 00200

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

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

Owner of Record2 Company Names on File
Mailing AddressPO BOX 363, LORETTO, TN 38469-0363
Owner TypeOwner is a Company
VestingOwner is a Trust, Family Living Trust

Deeds, Mortgages & Sale History

DateDocument
Sep 15, 2022Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
GARDNER FINANCIAL SERVICES LTD
Nov 18, 2020Special Warranty Deed, Transfer · Conventional Mortgage
FIRST NB OF MIDDLE TENNESSEE
Sep 09, 2020Foreclosure
NOT AVAILABLE
Oct 01, 2019Warranty Deed, Transfer
ACOPIA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 15, 2022 · Amount on Record
Deed SaleSep 15, 2022 · Amount on Record
Prior SaleNov 18, 2020 · Amount on Record
Deed Doc Number20226334
Deed Book / Page690 / 981
Last Transfer DateMay 16, 2025
Transfer Doc0000002962
Record RefreshedJun 08, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAWRENCE TN
Recording DateSep 15, 2022
Property Address113 E COMMERCE ST, LORETTO, TN 38469-2301
Document Number0000690981
Book / Page690 / 981
Instrument DateSep 14, 2022
Instrument22006334
Transaction TypeTransfer
Record UpdatedJan 23, 2026

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$554.63
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address113 E COMMERCE ST, LORETTO, TN 38469-2301

Mortgage

Document Number0022006335
DateSep 15, 2022
Instrument22006335
Lender
NameGARDNER FINANCIAL SERVICES LTD
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2052

Mortgage

Document Number0000691691
DateSep 15, 2022
Book Page691/691
Instrument22006336
Lender
NameGARDNER FINANCIAL SERVICES LTD
TypeFunding / Finance Company
AddressSAN ANTONIO, TX 78231
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2052

November 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionLAWRENCE TN
Recording DateNov 18, 2020
Property Address113 E COMMERCE ST, LORETTO, TN 38469-2301
Document Number0000061464
Book / Page614 / 64
Instrument DateOct 16, 2020
Instrument20006810
Transaction TypeTransfer
Record UpdatedJun 21, 2022
Title CompanyAVENUE 365 LENDER SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$412.55
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address113 E COMMERCE ST, LORETTO, TN 38469-2301

Mortgage

Document Number0020006811
DateNov 18, 2020
Instrument20006811
Lender
NameFIRST NB OF MIDDLE TENNESSEE
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

September 2020: Foreclosure

Document TypeForeclosure
JurisdictionLAWRENCE TN
Recording DateSep 09, 2020
Property Address113 E COMMERCE ST, LORETTO, TN 38469-2301
Document Number605880
Book / Page000605 / 000880
Instrument DateAug 13, 2020
Instrument5167
Transaction TypeForeclosure
Record UpdatedOct 05, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$317.00
Amount AccuracyConfirmed
Additional
  • Notice of Trustee Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address75 BEATTIE PL #300 GREENVILLE SC 296012138, 300, GREENVILLE, SC 29601-2138

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAWRENCE TN
Recording DateOct 01, 2019
Property Address113 E COMMERCE ST, LORETTO, TN 38469-2301
Document Number57498
Book / Page000574 / 000098
Instrument DateOct 01, 2019
Instrument5146
Transaction TypeTransfer
Record UpdatedOct 15, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$407.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address113 E COMMERCE ST LORETTO TN 384692301, LORETTO, TN 38469-2301

Mortgage

Document Number574100
DateOct 01, 2019
Book Page000574/000100
Instrument5147
Lender
NameACOPIA
AddressGOODLETTSVILLE, TN 37072
Agreement
AmountAmount Recorded
Term360 Months
DueSep 30, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTennessee
CountyLawrence County
MunicipalityLoretto City
Unified School DistrictLawrence 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.

YearTax BillAssessed ValueAssessed Market Value
2025$31,950 (-) Land $2,250 Building $29,700
2023$747.00$31,950 (-) Land $2,250 Building $29,700
2022$747.00$31,950 Land $2,250 Building $29,700$127,800 Land $9,000 Building $118,800

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