116 E Main St, Loretto, TN 38469 Property Records

Lawrence County property record for 116 E Main St, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,929 sqft · built 1976
Lot Size	3.4 acres (148,104 sqft)
Owner	2 Company Names on File
Last Sale	$90,000 (Oct 1996)
Tax Bill	$1,498 (2023)
Deeds & Mortgages	May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`050151I G 01300`

Property Details

APN / Parcel Number

Primary APN	`050151I G 01300`
Alternative APN	`151I G 01300`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,929 sqft Living Area
1st Floor Area	1,929 sqft
Basement Area	2,077 sqft
Finished Basement	1,147 sqft
Unfinished Basement	930 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1987
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	148,104 sqft (3.4 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	600 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio
Porch Area	512 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	116 E MAIN ST
City	LORETTO
State	TN
Zip	38469-2004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	2
Census Block Group	2
Census Block	2028
Census Tract	960700

Owner

Source: Lawrence County records · APN 050151I G 01300

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 Record	2 Company Names on File
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 Verified Names on Deed
Last Sale	Oct 11, 1996 · Amount on Record
Deed Sale	Oct 11, 1996 · Amount on Record
Prior Sale	Jan 01, 1982
Deed Book / Page	288 / 677
Last Transfer Date	May 16, 2025
Transfer Doc	0000002962
Record Updated	Jun 08, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	116 E MAIN ST, LORETTO, TN 38469-2004
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	534428
Date	May 16, 2018
Book Page	534/428
Instrument	18002508

Lender

Name	FIRST FARMERS & MERCHANTS BANK
Type	Bank
Address	COLUMBIA, TN 38402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 01, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$64,025 (-) Land $5,950 Building $58,075
2023	$1,498.00	$64,025 (-) Land $5,950 Building $58,075
2022	$1,498.00	$64,025 Land $5,950 Building $58,075	$256,100 Land $23,800 Building $232,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lawrence County (47099C), updated November 17, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 43 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Loretto Telephone Company Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	LORETTO WATER DEPARTMENT serves 5,054 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.