Lawrence County property record for 118 Smith Cir, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,914 sqft · built 2018 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $140,000 (Feb 2019) |
| Tax Bill | $2,852 (2024) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Dec 2025 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050141 04402 |
| Primary APN | 050141 04402 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,914 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 65 ft deep x 12 ft wide |
| Garage Type | Finished |
| Garage Area | 912 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 360 sqft |
| Porch | Slab |
| Porch Area | 236 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 118 SMITH CIR |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2373 |
| 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 | 2003 |
| Census Tract | 960700 |
Source: Lawrence County records, as of October 13, 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 | 118 SMITH CIR, LORETTO, TN 38469-2373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 30, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Dec 23, 2025 | Intrafamily Transfer, Transfer |
| Feb 15, 2022 | Deed of Trust, Mortgage · Construction Mortgage FIRST FARMERS & MERCHANTS BANK |
| Jul 21, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Feb 20, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2019 · Amount on Record |
| Deed Sale | Feb 20, 2019 · Amount on Record |
| Prior Sale | Sep 21, 2016 · Amount on Record |
| Deed Document Number | 2019838 |
| Deed Book / Page | 555 / 282 |
| Last Transfer Date | Dec 16, 2025 |
| Transfer Doc | 0000808626 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 118 SMITH CIR, LORETTO, TN 38469-2373 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000811888 |
|---|---|
| Date | Jan 30, 2026 |
| Book Page | 811/888 |
| Instrument | 26000521 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2046 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Dec 23, 2025 |
| Property Address | 118 SMITH CIR, LORETTO, TN 38469-2373 |
| Document Number | 0000808626 |
| Book / Page | 808 / 626 |
| Instrument Date | Dec 16, 2025 |
| Instrument | 25007357 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 SMITH CIR, LORETTO, TN 38469-2373 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 118 SMITH CIR, LORETTO, TN 38469-2373 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 118 SMITH CIR, LORETTO, TN 38469-2373 |
| Document Number | 0000665619 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 665/619 |
| Instrument | 22001076 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 252 Months |
| Due | Feb 11, 2043 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Jul 21, 2021 |
| Property Address | 118 SMITH CIR, LORETTO, TN 38469-2373 |
| Document Number | 641937 |
| Book / Page | 641 / 937 |
| Map Reference | MB 84 PG 525 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 21004843 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 749 WEAKLEY CREEK RD, LAWRENCEBURG, TN 38464-6024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Feb 20, 2019 |
| Property Address | 118 SMITH CIR, LORETTO, TN 38469-2373 |
| Document Number | 555282 |
| Book / Page | 000555 / 000282 |
| Instrument Date | Feb 19, 2019 |
| Instrument | 838 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $148.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 775 BRANDENBURG DR FLORENCE AL 356346624, FLORENCE, AL 35634-6624 |
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 | $101,450 (-) Land $1,750 Building $99,700 | ||
| 2024 | $2,852.00 (+20.08%) | $101,450 (-) Land $1,750 Building $99,700 | |
| 2023 | $2,375.00 (+106.88%) | $101,450 (+106.94%) Land $1,750 Building $99,700 | |
| 2022 | $1,148.00 | $49,025 Land $1,750 Building $47,275 | $405,800 Land $7,000 Building $398,800 |
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.
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 66% of the US · above 50% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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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