Lawrence County property record for 115 Smith Cir, Loretto, TN 38469
| Property Type | Commercial |
|---|---|
| Details | 0.5 ba · 5,072 sqft · built 1976 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $27,000 (May 2021) |
| Tax Bill | $284 (2023) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 050141 04604 |
| Primary APN | 050141 04604 |
|---|---|
| Alternative APN |
|
| Full Baths | 0.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 5,072 sqft Total Area |
| Flooring | Concrete/Cement |
| Interior Walls | Unfinished |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Metal |
| Lot Area | 25,265 sqft (0.58 acres) |
| Canopy | 1,512 sqft |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 115 SMITH CIR |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2375 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 960700 |
Source: Lawrence County records, as of May 12, 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 | 102 JACKSON DR, SAINT JOSEPH, TN 38481-5204 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK |
| May 18, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2021 · Amount on Record |
| Deed Sale | May 18, 2021 · Amount on Record |
| Prior Sale | Jul 10, 1997 · Amount on Record |
| Deed Document Number | 20213271 |
| Deed Book / Page | 633 / 789 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Jul 17, 2026 |
| Property Address | 115 SMITH CIR, LORETTO, TN 38469-2375 |
| Document Number | 0000004329 |
| Book / Page | 832 / 845 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 20264329 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 115 SMITH CIR, LORETTO, TN 38469-2375 |
| Document Number | 0000004329, |
|---|---|
| Date | Jul 17, 2026 |
| Book Page | 832/845 |
| Instrument | 20264329 |
| Name | CITIZENS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 14, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.81% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | May 18, 2021 |
| Property Address | 115 SMITH CIR, LORETTO, TN 38469-2375 |
| Document Number | 0000633789 |
| Book / Page | 633 / 789 |
| Instrument Date | May 18, 2021 |
| Instrument | 21003271 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $99.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 102 JACKSON DR, SAINT JOSEPH, TN 38481-5204 |
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 | $12,125 (-) Land $2,000 Building $10,125 | ||
| 2023 | $284.00 | $12,125 (-) Land $2,000 Building $10,125 | |
| 2022 | $284.00 | $12,125 Land $2,000 Building $10,125 | $48,500 Land $8,000 Building $40,500 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | 0.02% 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 69 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 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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