Lawrence County property record for 114 4th Ave S, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,268 sqft · built 1963 |
| Lot Size | 1.31 acres (57,064 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Jul 2024) |
| Tax Bill | $1,681 (2024) |
| Deeds & Mortgages | Oct 2026 Mortgage Oct 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151H C 01600 |
| Primary APN | 050151H C 01600 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,268 sqft Living Area |
| 1st Floor Area | 2,268 sqft |
| Basement Area | 1,540 sqft |
| Finished Basement | 924 sqft |
| Unfinished Basement | 616 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 57,064 sqft (1.31 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 972 sqft |
| Carport | Carport |
| Carport Area | 972 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 800 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 169 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Bath House | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 114 4TH AVE S |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2; SUBDIVISION: HAYES; BLOCK: 1 |
| Legal Subdivision | HAYES |
| Legal Block | 1 |
| Legal Lot Number | 1-4 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3049 |
| Census Tract | 960700 |
114 4th Ave S is owned by two individuals who bought it in July 2024.
Source: Lawrence County records, as of October 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6371 HIGHWAY 17, FLORENCE, AL 35634-6228 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK |
| Oct 12, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST FARMERS & MERCHANTS BANK |
| Dec 30, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jun 30, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2024 · Amount on File |
| Deed Sale | Jul 19, 2024 · Amount on File |
| Prior Sale | Dec 30, 2020 · Amount on File |
| Deed Document Number | 20243725 |
| Deed Book / Page | 751 / 550 |
| Prior Transfer Date | Jul 12, 2024 |
| Prior Transfer Doc | 0000751550 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Oct 6, 2026 |
| Property Address | 114 4TH AVE S, LORETTO, TN 38469-2116 |
| Document Number | 0000006074 |
| Book / Page | 842 / 1 |
| Instrument Date | Oct 2, 2026 |
| Instrument | 20266074 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 114 4TH AVE S, LORETTO, TN 38469-2116 |
| Document Number | 0000006074, |
|---|---|
| Date | Oct 6, 2026 |
| Book Page | 842/1 |
| Instrument | 20266074 |
| Name | CITIZENS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 114 4TH AVE S, LORETTO, TN 38469-2116 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 518497 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 518/497 |
| Instrument | 17005205 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 1, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Dec 30, 2020 |
| Property Address | 114 4TH AVE S, LORETTO, TN 38469-2116 |
| Document Number | 618143 |
| Book / Page | 000618 / 000143 |
| Instrument Date | Dec 30, 2020 |
| Instrument | 7673 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $74.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 315 CHURCH ST LORETTO TN 384692149, LORETTO, TN 38469-2149 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Jun 30, 2017 |
| Property Address | 114 4TH AVE S, LORETTO, TN 38469-2116 |
| Document Number | 510589 |
| Book / Page | 000510 / 000589 |
| Instrument Date | Jun 29, 2017 |
| Instrument | 3381 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $11.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 510 E MAIN ST LORETTO TN 384692008, LORETTO, TN 38469-2008 |
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 | $59,825 Land $1,800 Building $58,025 | ||
| 2024 | $1,681.00 (+20.07%) | ||
| 2023 | $1,400.00 | $59,825 (-) Land $1,800 Building $58,025 | |
| 2022 | $1,400.00 | $59,825 Land $1,800 Building $58,025 | $239,300 Land $7,200 Building $232,100 |
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 114 4th 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 114 4th 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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