122 Smith Cir, Loretto, TN 38469 Property Records

Lawrence County property record for 122 Smith Cir, Loretto, TN 38469

Property Summary

Property Type	Rural Home
Details	5.25 ba · 3,912 sqft · built 2008
Lot Size	28 acres (1,219,680 sqft)
Owner	Individual Name on Record
Tax Bill	$4,179 (2025)
Deeds & Mortgages	Sep 2026 Transfer May 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`050141 04405`

Property Details

APN / Parcel Number

Primary APN	`050141 04405`
Alternative APN	`141 04405`

Interior

Full Baths	5.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	2 Stories
Building Area	3,912 sqft Living Area
1st Floor Area	2,376 sqft
Upper Floors Area	577 sqft
Basement Area	1,190 sqft
Finished Basement	1,190 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2012
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,219,680 sqft (28 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	3,047 sqft
Parking Spaces	12 Parking Spaces
Pool Area	800 sqft
Porch	Slab
Porch Area	624 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	122 SMITH CIR
City	LORETTO
State	TN
Zip	38469-2373
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	2
Census Block Group	2
Census Block	2002
Census Tract	960700

Owner

Source: Lawrence County records, as of September 23, 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
Mailing Address	PO BOX 32, LORETTO, TN 38469-0032
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
May 27, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF LAURENS COMPANY
Dec 1, 2025	Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK OF LAWRENCE COUNTY A BRANC
Jul 27, 2018	Deed of Trust, Mortgage BANK OF WAYNESBORO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2007
Deed Sale	Sep 14, 2007
Prior Sale	Jun 25, 2007 · Amount on Record
Deed Book / Page	272 / 758
Last Transfer Date	Sep 15, 2026
Transfer Doc	0000005639
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE TN
Recording Date	Sep 15, 2026
Property Address	122 SMITH CIR, LORETTO, TN 38469-2373
Document Number	0000005639
Book / Page	839 / 543
Instrument Date	Sep 15, 2026
Instrument	20265639
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Recording Date	May 27, 2026
Property Address	122 SMITH CIR, LORETTO, TN 38469-2373
Document Number	0000003167
Book / Page	826 / 320
Instrument Date	May 26, 2026
Instrument	20263167
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 SMITH CIR, LORETTO, TN 38469-2373

Mortgage

Document Number	0000003167,
Date	May 27, 2026
Book Page	826/320
Instrument	20263167

Lender

Name	CITIZENS BANK OF LAURENS COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Jun 3, 2029

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	122 SMITH CIR, LORETTO, TN 38469-2373
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000806295
Date	Dec 1, 2025
Book Page	806/295
Instrument	25006899

Lender

Name	CITIZENS BANK OF LAWRENCE COUNTY A BRANC
Address	2144 N LOCUST AVE, LAWRENCEBURG, TN 38464

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Dec 5, 2028

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 5, 2027
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	122 SMITH CIR, LORETTO, TN 38469-2373
Document Number	54078
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 SMITH CIR LORETTO TN 384692373, LORETTO, TN 38469-2373

Mortgage

Document Number	54078
Date	Jul 30, 2018
Book Page	000540/000078
Instrument	3842

Lender

Name	BANK OF WAYNESBORO
Type	Bank
Address	LAWRENCEBURG, TN 38464

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$4,179.00 Additional exemption filed	$207,850 (-) Land $11,350 Building $196,500
2023	$4,179.00 Additional exemption filed	$207,850 (-) Land $11,350 Building $196,500
2022	$4,179.00	$207,850 Land $11,350 Building $196,500	$884,700 Land $98,700 Building $786,000

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

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 63% of the US · above 53% of Tennessee
Wildfire Likelihood	0.05% 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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	1,000 / 1,000

May also be available: Spectrum.

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