Lawrence County property record for 22 Ward Rd, Loretto, TN 38469
| Property Type | Rural Home |
|---|---|
| Details | 3.5 ba · 4,695 sqft · built 2022 |
| Lot Size | 71.8 acres (3,129,350 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $260,291 (Nov 2018) |
| Tax Bill | $4,230 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Oct 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050134 01901 |
| Primary APN | 050134 01901 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 4,695 sqft Living Area |
| 1st Floor Area | 4,695 sqft |
| Basement Area | 4,061 sqft |
| Unfinished Basement | 4,061 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,129,350 sqft (71.8 acres) |
| Garage Type | Finished |
| Garage Area | 756 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 22 WARD RD |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-3030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 960700 |
Source: Lawrence County records, as of May 21, 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 Record |
|---|---|
| Mailing Address | 22 WARD RD, LORETTO, TN 38469-3030 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 4, 2021 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK & TRUST |
| Oct 3, 2022 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK & TRUST |
| Dec 4, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Sep 26, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2018 · Amount on Record |
| Deed Sale | Nov 27, 2018 · Amount on Record |
| Prior Sale | Dec 4, 2017 · Amount on Record |
| Deed Document Number | 20186088 |
| Deed Book / Page | 549 / 804 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 22 WARD RD, LORETTO, TN 38469-3030 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 22 WARD RD, LORETTO, TN 38469-3030 |
| Document Number | 0000654462 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | 654/462 |
| Instrument | 21007384 |
| Name | HERITAGE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Jun 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 22 WARD RD, LORETTO, TN 38469-3030 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 22 WARD RD, LORETTO, TN 38469-3030 |
| Document Number | 0000692687 |
|---|---|
| Date | Oct 3, 2022 |
| Book Page | 692/687 |
| Instrument | 22006728 |
| Name | HERITAGE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Sep 30, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Dec 4, 2017 |
| Property Address | 22 WARD RD, LORETTO, TN 38469-3030 |
| Document Number | 52254 |
| Book / Page | 000522 / 000054 |
| Instrument Date | Dec 4, 2017 |
| Instrument | 6078 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $949.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 205 ROGERS DR LORETTO TN 384692568, LORETTO, TN 38469-2568 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Sep 26, 2017 |
| Property Address | 22 WARD RD, LORETTO, TN 38469-3030 |
| Document Number | 51781 |
| Book / Page | 000517 / 000081 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 4898 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 721 N MAIN ST LORETTO TN 384692362, LORETTO, TN 38469-2362 |
Source: Lawrence County assessment roll, as of January 23, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lawrence County |
| Unified School District | Lawrence County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,230.00 Additional exemption filed | $210,375 (-) Land $20,675 Building $189,700 | |
| 2023 | $4,230.00 (+618.17%) Additional exemption filed | $210,375 (+618.62%) Land $20,675 Building $189,700 | |
| 2022 | $589.00 | $29,275 Land $19,050 Building $10,225 | $954,000 Land $195,200 Building $758,800 |
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.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 4 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 / 35 |
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