184 Busby Rd, Loretto, TN 38469 Property Records

Lawrence County property record for 184 Busby Rd, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,438 sqft · built 1997
Lot Size	11.9 acres (518,364 sqft)
Owner	2 Individual Names on File
Last Sale	$8,800 (May 1996)
Tax Bill	$1,638 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050134 00805`

Property Details

APN / Parcel Number

Primary APN	`050134 00805`
Alternative APN	`134 00805`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,438 sqft Living Area
1st Floor Area	2,438 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	518,364 sqft (11.9 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	198 sqft
Shed	1 Shed
Shed Area	120 sqft
Utility Building	340 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	184 BUSBY RD
City	LORETTO
State	TN
Zip	38469-3226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	6
Census Block Group	3
Census Block	3002
Census Tract	960700

Owner

184 Busby Rd is owned and occupied by two individuals who bought it in May 1996.

Source: Lawrence County records, as of January 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	184 BUSBY RD, LORETTO, TN 38469-3226
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jan 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN HOME MORTGAGE
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOWER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 1996 · Amount on File
Deed Sale	May 6, 1996 · Amount on File
Deed Book / Page	286 / 57
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	184 BUSBY RD, LORETTO, TN 38469-3226
Transaction Type	Mortgage
Record Updated	Jun 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	635641
Date	Jun 2, 2021
Book Page	635/641
Instrument	21003643

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	184 BUSBY RD, LORETTO, TN 38469-3226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	497784
Date	Jan 5, 2017
Book Page	497/784
Instrument	17000063

Lender

Name	MERIDIAN HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	252 Months
Due	Jan 1, 2037

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	184 BUSBY RD, LORETTO, TN 38469-3226
Document Number	601199
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	184 BUSBY RD LORETTO TN 384693226, LORETTO, TN 38469-3226

Mortgage

Document Number	601199
Date	Jul 28, 2020
Book Page	000601/000199
Instrument	4238

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 27, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 184 Busby Rd was $1,638.

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	$1,638.00	$81,450 Land $13,525 Building $67,925
2023	$1,638.00	$81,450 (-) Land $13,525 Building $67,925
2022	$1,638.00	$81,450 Land $13,525 Building $67,925	$325,800 Land $54,100 Building $271,700

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

Flood

FEMA maps place 184 Busby Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 184 Busby Rd is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 51% 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 13 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

Cell Coverage

5G and 4G LTE (outdoors only)

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