207 S Main St, Loretto, TN 38469 Property Records

Lawrence County property record for 207 S Main St, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,296 sqft · built 1952
Lot Size	0.486 acres (21,202 sqft)
Owner	2 Trust Names on File
Last Sale	$74,500 (Apr 2019)
Tax Bill	$563 (2023)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050151I E 00200`

Property Details

APN / Parcel Number

Primary APN	`050151I E 00200`
Alternative APN	`151I E 00200`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1989
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,202 sqft (0.486 acres)
Lot Dimensions	190 ft deep x 111 ft wide
Garage Type	Detached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	207 S MAIN ST
City	LORETTO
State	TN
Zip	38469-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	2
Census Block Group	2
Census Block	2030
Census Tract	960700

Owner

207 S Main St is held in a trust since May 2025.

Source: Lawrence County records, as of May 12, 2026

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 363, LORETTO, TN 38469-0363
Owner Type	Company
Vesting	Trust, Family Living Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2019 · Amount on File
Deed Sale	Apr 1, 2019 · Amount on File
Prior Sale	Apr 6, 2010 · Amount on File
Deed Document Number	20191643
Deed Book / Page	558 / 694
Last Transfer Date	May 16, 2025
Transfer Doc	0000002962
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Apr 1, 2019
Property Address	207 S MAIN ST, LORETTO, TN 38469-2109
Document Number	0000558694
Book / Page	558 / 694
Instrument Date	Mar 29, 2019
Instrument	19001643
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 S MAIN ST, LORETTO, TN 38469-2109

Mortgage

Document Number	0019001644
Date	Apr 1, 2019
Instrument	19001644

Lender

Name	FIRST FARMERS & MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Lawrence County
Municipality	Loretto City
Unified School District	Lawrence County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$24,075 Land $1,250 Building $22,825
2023	$563.00	$24,075 (-) Land $1,250 Building $22,825
2022	$563.00	$24,075 Land $1,250 Building $22,825	$96,300 Land $5,000 Building $91,300

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

FEMA maps place 207 S Main St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 207 S Main St is low, with a 0.02% annual chance of 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	0.02% 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 118 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20