122 Browns Ln, Loretto, TN 38469 Property Records

Lawrence County property record for 122 Browns Ln, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,712 sqft · built 1984
Lot Size	5.35 acres (233,046 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Sep 2021)
Tax Bill	$1,548 (2023)
Deeds & Mortgages	Feb 2025 Second Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050151 05106`

Property Details

APN / Parcel Number

Primary APN	`050151 05106`
Alternative APN	`151 05106`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,712 sqft
Basement Area	1,712 sqft
Finished Basement	468 sqft
Unfinished Basement	1,244 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2010
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	233,046 sqft (5.35 acres)
Terrain	Rolling
Garage Type	Finished
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	122 BROWNS LN
City	LORETTO
State	TN
Zip	38469-2308
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	2012
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 Individual Names on Record
Mailing Address	122 BROWNS LN, LORETTO, TN 38469-2308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Sep 16, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 24, 2020	Deed of Trust, Mortgage · Line of Credit FIRST FARMERS AND MERCHANTS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2021 · Amount on Record
Deed Sale	Sep 16, 2021 · Amount on Record
Prior Sale	Jun 11, 1999 · Amount on Record
Deed Document Number	20216292
Deed Book / Page	648 / 956
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	122 BROWNS LN, LORETTO, TN 38469-2308
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077461
Date	Feb 18, 2025
Book Page	774/61
Instrument	25000919

Lender

Name	DISCOVER BANK
Type	Bank
Address	502 E MARKET ST, GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 14, 2035

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Sep 16, 2021
Property Address	122 BROWNS LN, LORETTO, TN 38469-2308
Document Number	0000648956
Book / Page	648 / 956
Instrument Date	Sep 14, 2021
Instrument	21006292
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,054.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	122 BROWNS LN, LORETTO, TN 38469-2308

Mortgage

Document Number	0021006293
Date	Sep 16, 2021
Instrument	21006293

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	122 BROWNS LN, LORETTO, TN 38469-2308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	607860
Date	Sep 24, 2020
Book Page	607/860
Instrument	20005547

Lender

Name	FIRST FARMERS AND MERCHANTS BANK
Type	Non-Lending Institution
Address	COLUMBIA, TN 38402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2030

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of January 23, 2026

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		$66,175 (-) Land $9,025 Building $57,150
2023	$1,548.00	$66,175 (-) Land $9,025 Building $57,150
2022	$1,548.00	$66,175 Land $9,025 Building $57,150	$264,700 Land $36,100 Building $228,600

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

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

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.

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