221 Riddle Ln, Loretto, TN 38469 Property Records

Lawrence County property record for 221 Riddle Ln, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,872 sqft · built 1987
Lot Size	3.2 acres (139,392 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,000 (Dec 2020)
Tax Bill	$1,217 (2024)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`050152 02401`

Property Details

APN / Parcel Number

Primary APN	`050152 02401`
Alternative APN	`152 02401`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,872 sqft Living Area
1st Floor Area	1,872 sqft
Basement Area	546 sqft
Finished Basement	546 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1998
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	139,392 sqft (3.2 acres)
Garage Type	Detached
Garage Area	1 sqft
Porch	Slab
Porch Area	108 sqft
Deck Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	221 RIDDLE LN
City	LORETTO
State	TN
Zip	38469-2232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	1
Census Block Group	3
Census Block	3045
Census Tract	960700

Owner

Source: Lawrence County records, as of May 12, 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	9902 S THOMAS DR, 428, PANAMA CITY, FL 32408-1207
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2020	Deed of Trust, Mortgage · VA Mortgage PRIME CHOICE FUNDING INC
Dec 10, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 29, 2019	Intrafamily Transfer, Transfer · VA Mortgage FIRST FARMERS & MERCHANTS BANK
Apr 5, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2020 · Amount on Record
Deed Sale	Dec 10, 2020 · Amount on Record
Prior Sale	Oct 2, 2002 · Amount on Record
Deed Document Number	20207289
Deed Book / Page	616 / 156
Prior Transfer Date	Apr 15, 2019
Prior Transfer Doc	561115
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	221 RIDDLE LN, LORETTO, TN 38469-2232
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	588465
Date	Mar 18, 2020
Book Page	588/465
Instrument	20001588

Lender

Name	PRIME CHOICE FUNDING INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Dec 10, 2020
Property Address	221 RIDDLE LN, LORETTO, TN 38469-2232
Document Number	616156
Book / Page	000616 / 000156
Instrument Date	Dec 9, 2020
Instrument	7289
Transaction Type	Transfer
Record Updated	Dec 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$766.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9902 S THOMAS DR #428 PANAMA CITY BEACH FL 324081207, 428, PANAMA CITY BEACH, FL 32408-1207

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAWRENCE TN
Recording Date	Apr 29, 2019
Property Address	221 RIDDLE LN, LORETTO, TN 38469-2232
Document Number	0000561115
Book / Page	561 / 115
Instrument Date	Apr 15, 2019
Instrument	19002183
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 RIDDLE LN, LORETTO, TN 38469-2232

Mortgage

Document Number	561117
Date	Apr 29, 2019
Book Page	561/117
Instrument	19002184

Lender

Name	FIRST FARMERS & MERCHANTS BANK
Type	Bank
Address	COLUMBIA, TN 38401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE TN
Recording Date	Apr 5, 2019
Property Address	221 RIDDLE LN, LORETTO, TN 38469-2232
Document Number	559209
Book / Page	000559 / 000209
Instrument Date	Apr 5, 2019
Instrument	1734
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 RIDDLE LN LORETTO TN 384692232, LORETTO, TN 38469-2232

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		$43,300 (-) Land $5,675 Building $37,625
2024	$1,217.00 (+20.02%)
2023	$1,014.00	$43,300 (-) Land $5,675 Building $37,625
2022	$1,014.00	$43,300 Land $5,675 Building $37,625	$173,200 Land $22,700 Building $150,500

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

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.

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	0.04% annual chance
Exposure	Direct burnable vegetation

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 15 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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