119 N Main St, Loretto, TN 38469 Property Records

Lawrence County property record for 119 N Main St, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,784 sqft · built 1963
Lot Size	0.979 acres (42,670 sqft)
Owner	2 Company Names on Record
Last Sale	$212,000 (May 2025)
Tax Bill	$860 (2023)
Deeds & Mortgages	May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050151B B 03200`

Property Details

APN / Parcel Number

Primary APN	`050151B B 03200`
Alternative APN	`151B B 03200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,784 sqft Living Area
1st Floor Area	1,784 sqft
Basement Area	320 sqft
Unfinished Basement	320 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1982
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	42,670 sqft (0.979 acres)
Lot Dimensions	170 ft deep x 251 ft wide
Terrain	Rolling
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	47 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	119 N MAIN ST
City	LORETTO
State	TN
Zip	38469
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	2
Census Block Group	3
Census Block	3035
Census Tract	960700

Owner

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 Company Names on Record
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 Names on Deed
Last Sale	May 5, 2025 · Amount on Record
Deed Sale	May 5, 2025 · Amount on Record
Deed Document Number	20252548
Deed Book / Page	782 / 582
Last Transfer Date	May 16, 2025
Transfer Doc	0000002962
Record Updated	Jun 8, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	May 5, 2025
Property Address	119 N MAIN ST, LORETTO, TN 38469
Document Number	0000782582
Book / Page	782 / 582
Instrument Date	May 1, 2025
Instrument	25002548
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	MOMENTUM TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$784.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 S MILITARY ST, LORETTO, TN 38469-2100

Mortgage

Document Number	0025002549
Date	May 5, 2025
Instrument	25002549

Lender

Name	CITIZENS BANK OF LAWRENCE COUNTY TE

Agreement

Type	ARM
Amount	Amount Recorded
Term	180 Months
Due	May 3, 2040

Interest

Rate Type	Adjustable Rate
Rate	12.2%
Adjustable	Adjustable Rate Rider
Type Change Date	May 3, 2026
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	Prime Rate

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		$36,775 (-) Land $2,000 Building $34,775
2023	$860.00 (-11.07%)	$36,775 (-11.01%) Land $2,000 Building $34,775
2022	$967.00	$41,325 Land $2,000 Building $39,325	$147,100 Land $8,000 Building $139,100

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	0.02% 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 133 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20