Lawrence County property record for 124 S Main St, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,320 sqft · built 1930 |
| Lot Size | 0.054 acres (2,370 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $180,000 (Oct 2023) |
| Tax Bill | $232 (2023) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2023 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151H F 00600 |
| Primary APN | 050151H F 00600 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,320 sqft Total Area |
| 1st Floor Area | 1,200 sqft |
| Flooring | Concrete/Cement |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Roof Type | Wood Truss |
| Roof Material | Built-Up Asphalt |
| Lot Area | 2,370 sqft (0.054 acres) |
| Lot Dimensions | 118 ft deep x 20 ft wide |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 124 S MAIN ST |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3051 |
| Census Tract | 960700 |
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 |
| Date | Document |
|---|---|
| Mar 31, 2022 | Deed of Trust, Mortgage HERITAGE BANK & TRUST |
| Oct 2, 2023 | Warranty Deed, Transfer |
| Oct 28, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Feb 22, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 26, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2023 · Amount on Record |
| Deed Sale | Oct 2, 2023 · Amount on Record |
| Prior Sale | Oct 28, 2020 · Amount on Record |
| Deed Document Number | 20235321 |
| Deed Book / Page | 725 / 692 |
| Last Transfer Date | May 16, 2025 |
| Transfer Doc | 0000002962 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 124 S MAIN ST, LORETTO, TN 38469-2110 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000671437 |
|---|---|
| Date | Mar 31, 2022 |
| Book Page | 671/437 |
| Instrument | 22002249 |
| Name | HERITAGE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38401 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Apr 7, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Oct 2, 2023 |
| Property Address | 124 S MAIN ST, LORETTO, TN 38469-2110 |
| Document Number | 0000725692 |
| Book / Page | 725 / 692 |
| Instrument Date | Sep 29, 2023 |
| Instrument | 23005321 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $666.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 705 YOYD STREET, LAWRENCEBURG, TN 38464 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Oct 28, 2020 |
| Property Address | 124 S MAIN ST, LORETTO, TN 38469-2110 |
| Document Number | 611398 |
| Book / Page | 000611 / 000398 |
| Instrument Date | Oct 28, 2020 |
| Instrument | 6319 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $93.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 7 LORETTO TN 384690007, LORETTO, TN 38469-0007 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Feb 22, 2019 |
| Property Address | 124 S MAIN ST, LORETTO, TN 38469-2110 |
| Document Number | 555477 |
| Book / Page | 000555 / 000477 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 895 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 237 LORETTO TN 384690237, LORETTO, TN 38469-0237 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Apr 26, 2018 |
| Property Address | 124 S MAIN ST, LORETTO, TN 38469-2110 |
| Document Number | 532513 |
| Book / Page | 000532 / 000513 |
| Instrument Date | Apr 26, 2018 |
| Instrument | 2105 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $74.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 237 LORETTO TN 384690237, LORETTO, TN 38469-0237 |
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 | $26,625 (+168.4%) Land $450 Building $26,175 | ||
| 2023 | $232.00 | $9,920 (-) Land $720 Building $9,200 | |
| 2022 | $232.00 | $9,920 Land $720 Building $9,200 | $106,500 Land $1,800 Building $104,700 |
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 · 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.
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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 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 |
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