Lawrence County property record for 206 3rd Ave S, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,911 sqft · built 1954 |
| Lot Size | 0.751 acres (32,728 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Feb 2020) |
| Tax Bill | $1,155 (2023) |
| Deeds & Mortgages | Apr 2024 Line of Credit Jan 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151H J 00700 |
| Primary APN | 050151H J 00700 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,911 sqft Living Area |
| 1st Floor Area | 1,911 sqft |
| Basement Area | 66 sqft |
| Finished Basement | 66 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 32,728 sqft (0.751 acres) |
| Lot Dimensions | 196 ft deep x 162 ft wide |
| Garage Type | Finished |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 16 sqft |
| Utility Building | 1 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 206 3RD AVE S |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Legal Subdivision | CHARLES O KRESS |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3054 |
| Census Tract | 960700 |
Source: Lawrence County records · APN 050151H J 00700
Assessment roll updated January 23, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 206 3RD AVE S, LORETTO, TN 38469-2129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 18, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Jan 31, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST FARMERS & MERCHANTS BANK |
| Feb 19, 2020 | Warranty Deed, Transfer · Conventional with PMI TOWNE MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 19, 2020 · Amount on Record |
| Deed Sale | Feb 19, 2020 · Amount on Record |
| Prior Sale | Jul 20, 2009 · Amount on Record |
| Deed Document Number | 20201042 |
| Deed Book / Page | 586 / 77 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 206 3RD AVE S, LORETTO, TN 38469-2129 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 206 3RD AVE S, LORETTO, TN 38469-2129 |
| Document Number | 0000742397 |
|---|---|
| Date | Apr 18, 2024 |
| Book Page | 742/397 |
| Instrument | 24001935 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | 101 N LOCUST AVE, LAWRENCEBURG, TN 38464 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 13, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 206 3RD AVE S, LORETTO, TN 38469-2129 |
| Transaction Type | Mortgage |
| Record Updated | Mar 09, 2021 |
| Name | Verified Name |
|---|
| Document Number | 553858 |
|---|---|
| Date | Jan 31, 2019 |
| Book Page | 553/858 |
| Instrument | 19000489 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 01, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Feb 19, 2020 |
| Property Address | 206 3RD AVE S, LORETTO, TN 38469-2129 |
| Document Number | 56877 |
| Book / Page | 000568 / 000077 |
| Instrument Date | Feb 12, 2020 |
| Instrument | 1042 |
| Transaction Type | Transfer |
| Record Updated | Mar 03, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $648.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 206 3RD AVE S LORETTO TN 384692129, LORETTO, TN 38469-2129 |
| Document Number | 58679 |
|---|---|
| Date | Feb 19, 2020 |
| Book Page | 000586/000079 |
| Instrument | 1043 |
| Name | TOWNE MTG |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 18, 2050 |
Source: Lawrence County records · Assessment roll updated January 23, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lawrence County |
| Municipality | Loretto City |
| Unified School District | Lawrence County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $49,350 (-) Land $2,125 Building $47,225 | ||
| 2024 | $49,350 (-) Land $2,125 Building $47,225 | ||
| 2023 | $1,155.00 | $49,350 (-) Land $2,125 Building $47,225 | |
| 2022 | $1,155.00 | $49,350 Land $2,125 Building $47,225 | $197,400 Land $8,500 Building $188,900 |
Source: FEMA National Flood Hazard Layer as of November 17, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Loretto Telephone Company Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 118 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LORETTO WATER DEPARTMENT serves 5,054 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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