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208 E Commerce St, Loretto, TN 38469 Property Records

Lawrence County property record for 208 E Commerce St, Loretto, TN 38469 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms1 Baths
Year BuiltBuilt 1978
Square Footage1,248 sqft Living Area
Lot Size20,475 sqft (0.47 acres)
Last Sale$85,000 (2025)

Property Details

APN / Parcel Number

Primary APN050151H D 00400
Alternative APN
  • 151H D 00400

Interior

Full Baths1 Baths
Building Area1,248 sqft Living Area
1st Floor1,248 sqft 1st Floor
Attic Area1,024 sqft Attic
Attic1 Attic
Basement Area224 sqft Basement
Finished Basement224 sqft Finished
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1978
Exterior MaterialSiding Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialMetal Roof
Lot Area20,475 sqft (0.47 acres)
Depth X Width227 ft x 90 ft Depth x Width
Porch Area224 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating
SewageSewage Connected
Water SourceCommercial Water Source

Location & Zoning

Street Address208 E COMMERCE ST
CityLORETTO
StateTN
Zip38469-2305
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 2
JurisdictionLAWRENCE TN
Minor Civil Division1
Census Blockgroup3
Census Block3050
Census Tract960700

Owner

Source: Lawrence County records · APN 050151H D 00400

Assessment roll updated January 23, 2026 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address208 W COMMERCE ST, LORETTO, TN 38469-2139
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 04, 2026Deed of Trust, Mortgage · Conventional Mortgage
LAWRENCEBURG FEDERAL BANK
Jul 22, 2025Warranty Deed, Transfer · Conventional Mortgage
WAYNE COUNTY BANK
Apr 30, 2018Trustee's Deed, Construction Loan · Line of Credit
HERITAGE BK
Dec 06, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 22, 2025 · Amount on Record
Deed SaleJul 22, 2025 · Amount on Record
Prior SaleApr 14, 2004 · Amount on Record
Deed Doc Number20254231
Deed Book / Page791 / 764
Prior Transfer DateMay 16, 2025
Prior Transfer Doc0000002962
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAWRENCE TN
Recording DateMay 04, 2026
Property Address208 E COMMERCE ST, LORETTO, TN 38469-2305
Document Number0000002656
Book / Page823 / 256
Instrument DateApr 28, 2026
Instrument20262656
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address208 W COMMERCE ST, LORETTO, TN 38469-2139

Mortgage

Document Number0000002656,
DateMay 04, 2026
Book Page823/256
Instrument20262656
Lender
NameLAWRENCEBURG FEDERAL BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 04, 2056
Interest
Rate TypeAdjustable Rate
Rate6.46%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

July 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAWRENCE TN
Recording DateJul 22, 2025
Property Address208 E COMMERCE ST, LORETTO, TN 38469-2305
Document Number0000791764
Book / Page791 / 764
Instrument DateJun 18, 2025
Instrument25004231
Transaction TypeTransfer
Record UpdatedJan 23, 2026

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$314.50
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0025004232
DateJul 22, 2025
Instrument25004232
Lender
NameWAYNE COUNTY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2055

April 2018: Trustee's Deed, Construction Loan

Document TypeTrustee's Deed
JurisdictionLAWRENCE TN
Recording DateApr 30, 2018
Property Address208 W COMMERCE ST, LORETTO, TN 38469-2139
Book / Page000532 / 000861
Instrument DateApr 23, 2018
Instrument2179
Transaction TypeConstruction Loan
Record UpdatedAug 31, 2018

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
Address208 W COMMERCE ST LORETTO TN 384692139, LORETTO, TN 38469-2139

Mortgage

Document Number532861
DateApr 30, 2018
Book Page000532/000861
Instrument2179
Lender
NameHERITAGE BK
TypeBank
AddressCOLUMBIA, TN 38401
Agreement
TypeLine of Credit
AmountAmount Recorded
Term12 Months
DueApr 29, 2019
Interest
Rate TypeAdjustable Rate

December 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLAWRENCE TN
Recording DateDec 06, 2017
Property Address208 W COMMERCE ST, LORETTO, TN 38469-2139
Document Number522210
Book / Page000522 / 000210
Instrument DateDec 06, 2017
Instrument6113
Transaction TypeTransfer
Record UpdatedJan 03, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address208 W COMMERCE ST LORETTO TN 384692139, LORETTO, TN 38469-2139

Tax Assessment & Valuation

Source: Lawrence County records · Assessment roll updated January 23, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateTennessee
CountyLawrence County
MunicipalityLoretto City
Unified School DistrictLawrence County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$21,550 (-) Land $1,750 Building $19,800
2023$504.00$21,550 (-) Land $1,750 Building $19,800
2022$504.00$21,550 Land $1,750 Building $19,800$86,200 Land $7,000 Building $79,200

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