115 N Main St, Loretto, TN 38469 Property Records

Lawrence County property record for 115 N Main St, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,684 sqft · built 2015
Lot Size	8.88 acres (386,813 sqft)
Owner	2 Company Names on Record
Last Sale	$600,100 (Aug 2023)
Tax Bill	$3,023 (2023)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050151H E 00301`

Property Details

APN / Parcel Number

Primary APN	`050151H E 00301`
Alternative APN	`151H E 00301`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,684 sqft Living Area
1st Floor Area	2,017 sqft
Upper Floors Area	667 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	386,813 sqft (8.88 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	313 sqft
Shed	1 Shed
Shed Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	115 N MAIN ST
City	LORETTO
State	TN
Zip	38469-2356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Legal Subdivision	THE LANDS OF JAMES H PERRY
Jurisdiction	LAWRENCE TN
Township / Civil Division	1
Census Block Group	3
Census Block	3044
Census Tract	960700

Owner

Source: Lawrence County records, as of May 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 363, LORETTO, TN 38469-0363
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2023 · Amount on Record
Deed Sale	Aug 11, 2023 · Amount on Record
Prior Sale	Apr 25, 2017 · Amount on Record
Deed Document Number	20234318
Deed Book / Page	720 / 836
Last Transfer Date	May 16, 2025
Transfer Doc	0000002962
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Aug 11, 2023
Property Address	115 N MAIN ST, LORETTO, TN 38469-2356
Document Number	0000720836
Book / Page	720 / 836
Instrument Date	Aug 10, 2023
Instrument	23004318
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,220.37
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 N MAIN ST, LORETTO, TN 38469-2356

Mortgage

Document Number	0023004319
Date	Aug 11, 2023
Instrument	23004319

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Lawrence County
Municipality	Loretto City
Unified School District	Lawrence County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$131,275 (-) Land $13,325 Building $117,950
2024		$131,275 (-) Land $13,325 Building $117,950
2023	$3,023.00	$131,275 (+1.63%) Land $13,325 Building $117,950
2022	$3,023.00	$129,175 Land $13,325 Building $115,850	$525,100 Land $53,300 Building $471,800

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.

Flood

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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