20 Ward Rd, Loretto, TN 38469 Property Records

Lawrence County property record for 20 Ward Rd, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,736 sqft · built 1999
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Companies on Record
Last Sale	$268,000 (Dec 2022)
Tax Bill	$1,202 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050134 01909`

Property Details

APN / Parcel Number

Primary APN	`050134 01909`
Alternative APN	`134 01909`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	1,736 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2014
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,867 sqft (1.03 acres)
Garage Type	Finished
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	80 sqft
Deck Area	336 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	20 WARD RD
City	LORETTO
State	TN
Zip	38469-3030
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	3017
Census Tract	960700

Owner

Source: Lawrence County assessment roll, as of May 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Companies on Record
Co-owner	Co-owner on Record
Mailing Address	20 WARD RD, LORETTO, TN 38469-3030
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 28, 2022 · Amount on Record
Deed Sale	Dec 28, 2022 · Amount on Record
Prior Sale	Aug 1, 2011 · Amount on Record
Deed Document Number	00RB700174
Deed Book / Page	RB700 / 174
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Dec 28, 2022
Property Address	20 WARD RD, LORETTO, TN 38469-3030
Document Number	0000700174
Book / Page	700 / 174
Instrument Date	Dec 28, 2022
Instrument	22008240
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$991.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 WARD RD, LORETTO, TN 38469-3030

Mortgage

Document Number	0000700176
Date	Dec 28, 2022
Book Page	700/176
Instrument	22008241

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of May 20, 2025

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	$1,202.00	$59,800 (-) Land $2,550 Building $57,250
2023	$1,202.00 (+19.13%)	$59,800 (+19.18%) Land $2,550 Building $57,250
2022	$1,009.00	$50,175 Land $2,550 Building $47,625	$239,200 Land $10,200 Building $229,000

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 43 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 (outdoors only) and 4G LTE

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