119 Cedar Hill Rd, Loretto, TN 38469 Property Records

Lawrence County property record for 119 Cedar Hill Rd, Loretto, TN 38469

Property Summary

Property Type	Rural Home
Details	2 ba · 1,500 sqft · built 1969
Lot Size	42 acres (1,829,520 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (May 2021)
Tax Bill	$775 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050124 00400`

Property Details

APN / Parcel Number

Primary APN	`050124 00400`
Alternative APN	`124 00400`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1977
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,829,520 sqft (42 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Shed	1 Shed
Shed Area	288 sqft
Pole Barn	1 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	119 CEDAR HILL RD
City	LORETTO
State	TN
Zip	38469-3249
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 5
Jurisdiction	LAWRENCE TN
Township / Civil Division	6
Census Block Group	1
Census Block	1081
Census Tract	960800

Owner

Source: Lawrence County records, as of January 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	119 CEDAR HILL RD, LORETTO, TN 38469-3249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Commercial Mortgage LAWRENCEBURG FEDERAL BANK
Sep 18, 2023	Deed of Trust, Mortgage · Commercial Mortgage LAWRENCEBURG FEDERAL BANK
May 11, 2021	Warranty Deed, Transfer · Commercial Mortgage LAWRENCEBURG FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2021 · Amount on Record
Deed Sale	May 11, 2021 · Amount on Record
Prior Sale	Oct 14, 2004 · Amount on Record
Deed Document Number	21003058
Deed Book / Page	632 / 721
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	119 CEDAR HILL RD, LORETTO, TN 38469-3249
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 CEDAR HILL RD, LORETTO, TN 38469-3249

Mortgage

Document Number	0000081567
Date	Feb 25, 2026
Book Page	815/67
Instrument	26001093

Lender

Name	LAWRENCEBURG FEDERAL BANK
Type	Bank
Address	118 W GAINES ST, LAWRENCEBURG, TN 38464

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2056

Interest

Rate Type	Adjustable Rate

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	119 CEDAR HILL RD, LORETTO, TN 38469-3249
Transaction Type	Mortgage
Record Updated	Oct 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 CEDAR HILL RD, LORETTO, TN 38469-3249

Mortgage

Document Number	0000724375
Date	Sep 18, 2023
Book Page	724/375
Instrument	23005072

Lender

Name	LAWRENCEBURG FEDERAL BANK
Type	Bank
Address	LAWRENCEBURG, TN 38464

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2053

Interest

Rate Type	Adjustable Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	May 11, 2021
Property Address	119 CEDAR HILL RD, LORETTO, TN 38469-3249
Document Number	0000632721
Book / Page	632 / 721
Instrument Date	May 6, 2021
Instrument	21003058
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$869.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021003059
Date	May 11, 2021
Instrument	21003059

Lender

Name	LAWRENCEBURG FEDERAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2051

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$775.00 Additional exemption filed	$38,525 (-) Land $7,725 Building $30,800
2023	$775.00 Additional exemption filed	$38,525 (-) Land $7,725 Building $30,800
2022	$775.00	$38,525 Land $7,725 Building $30,800	$188,100 Land $64,900 Building $123,200

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	0.04% 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	LEOMA UTILITY DISTRICT serves 4,808 people · EPA ID TN0000399
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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