Lawrence County property record for 251 Ramah Rd, Loretto, TN 38469
| Property Type | Rural Home |
|---|---|
| Details | 1 ba · 1,301 sqft · built 1960 |
| Lot Size | 58.3 acres (2,541,290 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $20,000 (Apr 2025) |
| Tax Bill | $647 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050150 00700 |
| Primary APN | 050150 00700 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,301 sqft Living Area |
| 1st Floor Area | 1,301 sqft |
| Basement Area | 413 sqft |
| Unfinished Basement | 413 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,541,290 sqft (58.3 acres) |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 305 sqft |
| Pole Barn | 1 sqft |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Street Address | 251 RAMAH RD |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2826 |
| 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 | 2013 |
| Census Tract | 960900 |
251 Ramah Rd, a rural home, is owned by two individuals who bought it in April 2025.
Source: Lawrence County records, as of January 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 237 RAMAH RD, LORETTO, TN 38469-2826 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 Sale | Apr 8, 2025 · Amount on File |
| Deed Sale | Apr 8, 2025 · Amount on File |
| Prior Sale | Jun 5, 2006 · Amount on File |
| Deed Document Number | 20251909 |
| Deed Book / Page | 779 / 46 |
| Prior Transfer Date | Jun 10, 2013 |
| Prior Transfer Doc | 0000428661 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 251 RAMAH RD, LORETTO, TN 38469-2826 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 251 RAMAH RD, LORETTO, TN 38469-2826 |
| Document Number | 0000006901 |
|---|---|
| Date | Sep 8, 2022 |
| Book Page | 690/1 |
| Instrument | 22006143 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402 |
| Amount | Amount on Record |
|---|---|
| Term | 181 Months |
| Due | Oct 1, 2037 |
The 2025 property tax bill for 251 Ramah Rd was $647.
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 | $647.00 Additional exemption filed | $32,200 Land $14,800 Building $17,400 | |
| 2023 | $647.00 Additional exemption filed | $32,200 (-) Land $14,800 Building $17,400 | |
| 2022 | $647.00 | $32,200 Land $14,800 Building $17,400 | $202,000 Land $132,400 Building $69,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 251 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 251 Ramah Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 57% 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 |
4G LTE (outdoors only), no 5G reported
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