256 Ramah Rd, Loretto, TN 38469 Property Records

Lawrence County property record for 256 Ramah Rd, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,184 sqft · built 1998
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Jun 2026)
Tax Bill	$1,293 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050150 02302`

Property Details

APN / Parcel Number

Primary APN	`050150 02302`
Alternative APN	`150 02302`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,184 sqft Living Area
1st Floor Area	2,184 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2002
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Mixed
Garage Area	1,440 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	217 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	256 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

Owner

Source: Lawrence County records, as of June 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	256 RAMAH RD, LORETTO, TN 38469-2828
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Warranty Deed, Transfer · Conventional Mortgage CANOPY MORTGAGE LLC
Jun 17, 2026	Warranty Deed, Transfer · Conventional Mortgage CANOPY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	May 16, 2025 · Amount on Record
Deed Document Number	20263689
Deed Book / Page	829 / 159
Prior Transfer Date	May 12, 2025
Prior Transfer Doc	0000784239
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Jun 17, 2026
Property Address	256 RAMAH RD, LORETTO, TN 38469-2828
Document Number	0000003689
Book / Page	829 / 159
Instrument Date	Jun 8, 2026
Instrument	20263689
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130,795.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	256 RAMAH RD, LORETTO, TN 38469-2828

Mortgage

Document Number	0000003690,
Date	Jun 17, 2026
Instrument	20263690

Lender

Name	CANOPY MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Jun 17, 2026
Property Address	256 RAMAH RD, LORETTO, TN 38469-2828
Document Number	0000829159
Book / Page	829 / 159
Instrument Date	Jun 8, 2026
Instrument	20263689
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130,795.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	256 RAMAH RD, LORETTO, TN 38469-2828

Mortgage

Document Number	0000003690,
Date	Jun 17, 2026
Instrument	20263690

Lender

Name	CANOPY MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Lawrence County
Unified School District	Lawrence County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,293.00	$64,300 (-) Land $1,875 Building $62,425
2023	$1,293.00	$64,300 (-) Land $1,875 Building $62,425
2022	$1,293.00	$64,300 Land $1,875 Building $62,425	$257,200 Land $7,500 Building $249,700

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 54% 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.

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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