285 Ramah Rd, Loretto, TN 38469 Property Records

Lawrence County property record for 285 Ramah Rd, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,000 sqft · built 2023
Lot Size	3.01 acres (131,116 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Dec 2025)
Tax Bill	$1,661 (2025)
Deeds & Mortgages	Dec 2025 Sale Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`050150 00601`

Property Details

APN / Parcel Number

Primary APN	`050150 00601`
Alternative APN	`150 00601`

Interior

Full Baths	2 Baths
Plumbing Fixtures	20 Plumbing Fixtures
Stories	1 Story
Building Area	2,000 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Metal
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	131,116 sqft (3.01 acres)
Terrain	Rolling
Garage Type	Finished
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	285 RAMAH RD
City	LORETTO
State	TN
Zip	38469-2826
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	2013
Census Tract	960900

Owner

Source: Lawrence County records, as of January 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	285 RAMAH RD, LORETTO, TN 38469-2826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Warranty Deed, Transfer
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 30, 2022	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK HOHENWALD BRANCH
Jun 7, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2025 · Amount on Record
Deed Sale	Dec 11, 2025 · Amount on Record
Prior Sale	Apr 11, 2019
Deed Document Number	25007115
Deed Book / Page	807 / 348
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Dec 11, 2025
Property Address	285 RAMAH RD, LORETTO, TN 38469-2826
Document Number	0000807348
Book / Page	807 / 348
Instrument Date	Dec 5, 2025
Instrument	25007115
Transaction Type	Transfer
Record Updated	Dec 22, 2025

Transaction

Amount	Amount Recorded
Tax	$259.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 RAMAH RD, LORETTO, TN 38469-2826

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	285 RAMAH RD, LORETTO, TN 38469-2826
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 RAMAH RD, LORETTO, TN 38469-2826

Mortgage

Document Number	0000801428
Date	Oct 16, 2025
Book Page	801/428
Instrument	25005985

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2040

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	303 RAMAH RD, LORETTO, TN 38469-2827
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3036 HIGHWAY 43 S, LORETTO, TN 38469-3253

Mortgage

Document Number	0000700450
Date	Dec 30, 2022
Book Page	700/450
Instrument	22008296

Lender

Name	PEOPLES BANK HOHENWALD BRANCH
Type	Non-Lending Institution
Address	HOHENWALD, TN 38462

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Jun 7, 2019
Property Address	303 RAMAH RD, LORETTO, TN 38469-2827
Document Number	564317
Book / Page	000564 / 000317
Instrument Date	Jun 7, 2019
Instrument	2943
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3.70
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 N MILITARY ST LORETTO TN 384692342, LORETTO, TN 38469-2342

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of May 20, 2025

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	$1,661.00	$82,625 (-) Land $4,200 Building $78,425
2024	$1,661.00 (+1,877.38%)	$82,625 (-) Land $4,200 Building $78,425
2023	$84.00	$82,625 (+1,867.26%) Land $4,200 Building $78,425
2022	$84.00	$4,200 Land $4,200	$330,500 Land $16,800 Building $313,700

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 63% of the US · above 53% 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 10 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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