Lawrence County property record for 226 Ramah Rd, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,443 sqft · built 2004 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | 2 Owner Names on File |
| Tax Bill | $986 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 050150 01401 |
| Primary APN | 050150 01401 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,443 sqft Living Area |
| 1st Floor Area | 1,443 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 174,240 sqft (4 acres) |
| Terrain | Rolling |
| Garage Type | Unfinished |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 272 sqft |
| Pole Barn | 1 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 226 RAMAH RD |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 960900 |
The current owner of 226 Ramah Rd acquired it in March 2000.
Source: Lawrence County records, as of January 22, 2026
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 226 RAMAH RD, LORETTO, TN 38469-2828 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 17, 2000 |
| Transfer Doc | 00RB140602 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 226 RAMAH RD, LORETTO, TN 38469-2828 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 226 RAMAH RD, LORETTO, TN 38469-2828 |
| Document Number | 0000687631 |
|---|---|
| Date | Aug 16, 2022 |
| Book Page | 687/631 |
| Instrument | 22005603 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 226 Ramah Rd was $986.
Source: Lawrence County assessment roll, as of May 20, 2025
| 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 | $986.00 | $49,050 Land $5,625 Building $43,425 | |
| 2023 | $986.00 | $49,050 (-) Land $5,625 Building $43,425 | |
| 2022 | $986.00 | $49,050 Land $5,625 Building $43,425 | $196,200 Land $22,500 Building $173,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 226 Ramah Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2004 · rainfall accumulation |
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 226 Ramah Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 52% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.05% 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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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