117 Browns Ln, Loretto, TN 38469 Property Records

Lawrence County property record for 117 Browns Ln, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,272 sqft · built 1984
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Individual Names on File
Last Sale	$1,091 (Aug 2022)
Tax Bill	$1,693 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`050151 04624`

Property Details

APN / Parcel Number

Primary APN	`050151 04624`
Alternative APN	`151 04624`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,272 sqft Living Area
1st Floor Area	1,600 sqft
Upper Floors Area	1,120 sqft
Basement Area	480 sqft
Finished Basement	480 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2005
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	39,640 sqft (0.91 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	500 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	117 BROWNS LN
City	LORETTO
State	TN
Zip	38469-2309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2; SUBDIVISION: HIDDEN ACRES
Legal Subdivision	HIDDEN ACRES SUBDIVISION
Legal Lot Number	13
Jurisdiction	LAWRENCE TN
Township / Civil Division	2
Census Block Group	2
Census Block	2013
Census Tract	960700

Owner

117 Browns Ln is owned and occupied by two individuals who bought it in August 2022.

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 Individual Names on File
Mailing Address	117 BROWNS LN, LORETTO, TN 38469-2309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Aug 24, 2022	Warranty Deed, Transfer · VA Mortgage GARDNER FINANCIAL SERVICES LTD
Dec 21, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 29, 2017	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2022 · Amount on File
Deed Sale	Aug 24, 2022 · Amount on File
Prior Sale	Mar 29, 2017 · Amount on File
Deed Document Number	20225789
Deed Book / Page	688 / 438
Transfer Doc	0274000020
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	117 BROWNS LN, LORETTO, TN 38469-2309
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000679284
Date	Jun 3, 2022
Book Page	679/284
Instrument	22003871

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Aug 24, 2022
Property Address	117 BROWNS LN, LORETTO, TN 38469-2309
Document Number	0000688438
Book / Page	688 / 438
Map Reference	CAB A SL 54
Instrument Date	Aug 23, 2022
Instrument	22005789
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 BROWNS LN, LORETTO, TN 38469-2309

Mortgage

Document Number	0022005790
Date	Aug 24, 2022
Instrument	22005790

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	117 BROWNS LN, LORETTO, TN 38469-2309
Document Number	581426
Instrument Date	Dec 21, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	117 BROWNS LN LORETTO TN 384692309, LORETTO, TN 38469-2309

Mortgage

Document Number	581426
Date	Dec 31, 2019
Book Page	000581/000426
Instrument	6785

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Dec 30, 2039

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Mar 29, 2017
Property Address	117 BROWNS LN, LORETTO, TN 38469-2309
Document Number	503327
Book / Page	000503 / 000327
Instrument Date	Mar 29, 2017
Instrument	1617
Transaction Type	Transfer
Record Updated	Apr 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$647.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 BROWNS LN LORETTO TN 384692309, LORETTO, TN 38469-2309

Mortgage

Document Number	503329
Date	Mar 29, 2017
Book Page	000503/000329
Instrument	1618

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2047

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		$60,225 Land $2,525 Building $57,700
2024	$1,693.00 (+20.07%)
2023	$1,410.00 (+12.08%)	$60,225 (+11.99%) Land $2,525 Building $57,700
2022	$1,258.00	$53,775 Land $2,525 Building $51,250	$240,900 Land $10,100 Building $230,800

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

Flood

FEMA maps place 117 Browns Ln in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 117 Browns Ln is low, with a 0.03% 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	0.03% 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 21 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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