Lawrence County property record for 220 Smith Cir, Loretto, TN 38469
| Property Type | Rural Home |
|---|---|
| Details | 3 ba · 2,884 sqft · built 2021 |
| Lot Size | 16.1 acres (702,623 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,294 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050141 03000 |
| Primary APN | 050141 03000 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,884 sqft Living Area |
| 1st Floor Area | 2,464 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Metal |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 702,623 sqft (16.1 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 2,024 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 220 SMITH CIR |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2374 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 960700 |
Source: Lawrence County records · APN 050141 03000
Assessment roll updated January 23, 2026 · Last verified August 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 | 220 SMITH CIR, LORETTO, TN 38469-2374 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 05, 2021 | Deed of Trust, Mortgage · Non-Conforming Investor Loan PAUL B PLANT |
| Mar 01, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage BANK INDEPENDENT |
| Jan 27, 2021 | Deed of Trust, Construction Loan · Construction Mortgage BANK INDEPENDENT |
| Dec 02, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 13, 1987 |
| Deed Sale | Mar 13, 1987 |
| Deed Book / Page | 231 / 104 |
| Last Transfer Date | Feb 04, 2020 |
| Transfer Doc | 0000000708 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 220 SMITH CIR, LORETTO, TN 38469-2374 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 5000, SHEFFIELD, AL 35660-0137 |
| Document Number | 0000624804 |
|---|---|
| Date | Mar 05, 2021 |
| Book Page | 624/804 |
| Instrument | 21001404 |
| Name | PAUL B PLANT |
|---|---|
| Type | Private Party |
| Address | 225 MAHR AVE, LAWRENCEBURG, TN 38464 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Feb 26, 2022 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Mar 01, 2022 |
| Property Address | 220 SMITH CIR, LORETTO, TN 38469-2374 |
| Document Number | 0000667678 |
| Book / Page | 667 / 678 |
| Instrument Date | Feb 18, 2022 |
| Instrument | 22001512 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 220 SMITH CIR, LORETTO, TN 38469-2374 |
| Document Number | 0022001513 |
|---|---|
| Date | Mar 01, 2022 |
| Instrument | 22001513 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Jan 27, 2021 |
| Property Address | 220 SMITH CIR, LORETTO, TN 38469-2374 |
| Document Number | 621104 |
| Book / Page | 000621 / 000104 |
| Instrument Date | Jan 14, 2021 |
| Instrument | 599 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 05, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 220 SMITH CIR LORETTO TN 38469, LORETTO, TN 38469 |
| Document Number | 621104 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 000621/000104 |
| Instrument | 599 |
| Name | BANK INDEPENDENT |
|---|---|
| Type | Bank |
| Address | SHEFFIELD, AL 35660 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 26, 2022 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Dec 02, 2020 |
| Property Address | 220 SMITH CIR, LORETTO, TN 38469-2374 |
| Document Number | 615364 |
| Book / Page | 000615 / 000364 |
| Instrument Date | Dec 02, 2020 |
| Instrument | 7080 |
| Transaction Type | Transfer |
| Record Updated | Dec 09, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 342 OLD JACKSON HWY LORETTO TN 384693203, LORETTO, TN 38469-3203 |
Source: Lawrence County records · Assessment roll updated January 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lawrence County |
| Unified School District | Lawrence County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,294.00 Additional exemption filed | $114,125 (-) Land $4,775 Building $109,350 | |
| 2024 | $2,294.00 Additional exemption filed | $114,125 (-) Land $4,775 Building $109,350 | |
| 2023 | $2,294.00 Additional exemption filed | $114,125 (-) Land $4,775 Building $109,350 | |
| 2022 | $2,294.00 | $114,125 Land $4,775 Building $109,350 | $481,000 Land $43,600 Building $437,400 |
Source: FEMA National Flood Hazard Layer as of November 17, 2016 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 62% of the US · above 54% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; 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 / 35 |
Based on FCC filings for 6 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures