Lawrence County property record for 224 Millcreek Dr, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 2.25 ba · 1,537 sqft · built 1979 |
| Lot Size | 0.635 acres (27,690 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Jun 2021) |
| Tax Bill | $1,384 (2024) |
| Deeds & Mortgages | Jan 2023 Line of Credit Jun 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151I J 02400 |
| Primary APN | 050151I J 02400 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.25 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,537 sqft Living Area |
| 1st Floor Area | 1,537 sqft |
| Basement Area | 1,537 sqft |
| Unfinished Basement | 1,537 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 27,690 sqft (0.635 acres) |
| Lot Dimensions | 213 ft deep x 130 ft wide |
| Terrain | Rolling |
| Garage Type | Finished |
| Garage Area | 648 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 132 sqft |
| Deck Area | 1 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 224 MILLCREEK DR |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2; SUBDIVISION: MILL CREEK; BLOCK: A |
| Legal Subdivision | MILL CREEK |
| Legal Block | A |
| Legal Lot Number | 24 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3056 |
| Census Tract | 960700 |
224 Millcreek Dr is owned and occupied by two individuals who bought it in June 2021.
Source: Lawrence County records, as of May 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 224 MILLCREEK DR, LORETTO, TN 38469-2158 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 23, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST FARMERS & MERCHANTS BANK |
| Jun 21, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST FARMERS & MERCHANTS BANK |
| Apr 23, 2021 | Intrafamily Transfer, Transfer |
| Mar 26, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2021 · Amount on File |
| Deed Sale | Jun 21, 2021 · Amount on File |
| Prior Sale | May 15, 2012 |
| Deed Document Number | 20214116 |
| Deed Book / Page | 638 / 14 |
| Prior Transfer Date | Apr 23, 2021 |
| Prior Transfer Doc | 0000630911 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 224 MILLCREEK DR, LORETTO, TN 38469-2158 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 224 MILLCREEK DR, LORETTO, TN 38469-2158 |
| Document Number | 0000701909 |
|---|---|
| Date | Jan 23, 2023 |
| Book Page | 701/909 |
| Instrument | 23000385 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Jun 21, 2021 |
| Property Address | 224 MILLCREEK DR, LORETTO, TN 38469-2158 |
| Document Number | 63814 |
| Book / Page | 638 / 14 |
| Map Reference | CAB A SL 29 |
| Instrument Date | Jun 21, 2021 |
| Instrument | 21004116 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $703.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 224 MILLCREEK DR, LORETTO, TN 38469-2158 |
| Document Number | 21004117 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 21004117 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Apr 23, 2021 |
| Property Address | 224 MILLCREEK DR, LORETTO, TN 38469-2158 |
| Document Number | 0000630911 |
| Book / Page | 630 / 911 |
| Map Reference | CAB A SL 29 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 21002656 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 224 MILLCREEK DR, LORETTO, TN 38469-2158 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Mar 26, 2021 |
| Property Address | 224 MILLCREEK DR, LORETTO, TN 38469-2158 |
| Document Number | 0000627479 |
| Book / Page | 627 / 479 |
| Map Reference | CAB A SL 29 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 21001944 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 224 MILLCREEK DR, LORETTO, TN 38469-2158 |
Source: Lawrence County assessment roll, as of January 23, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lawrence County |
| Municipality | Loretto City |
| Unified School District | Lawrence County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $49,250 Land $3,750 Building $45,500 | ||
| 2024 | $1,384.00 (+20.03%) | ||
| 2023 | $1,153.00 | $49,250 (-) Land $3,750 Building $45,500 | |
| 2022 | $1,153.00 | $49,250 Land $3,750 Building $45,500 | $197,000 Land $15,000 Building $182,000 |
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.
FEMA maps place 224 Millcreek Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 224 Millcreek Dr is low, with a 0.03% 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 | 0.03% 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 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 |
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