Lawrence County property record for 286 Bluff Rd, Loretto, TN 38469 · Last verified April 2026
| Property Type | Residential > Single Family > Rural Home |
|---|---|
| Bathrooms | 1.5 Baths |
| Year Built | Built 1983 |
| Square Footage | 1,363 sqft Living Area |
| Lot Size | 914,324 sqft (20.9 acres) |
| Garage | Mixed, 406 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $330,500 (2021) |
| Tax Bill | $980.00 (2025) |
| Primary APN | 050153 00700 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Building Area | 1,363 sqft Living Area |
| 1st Floor | 1,363 sqft 1st Floor |
| Basement Area | 1,363 sqft Basement |
| Unfinished Basement | 1,363 sqft Unfinished |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Paneling Interior Structure |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Brick Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 914,324 sqft (20.9 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 406 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 1 sqft Shed |
| Porch Area | 266 sqft Porch |
| Topography | Rolling Topography |
| Pole Structure | 1,584 sqft Pole Structure |
| Utility Building | 1 sqft Utility Building |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 286 BLUFF RD |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-3000 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Rural Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Minor Civil Division | 6 |
| Census Blockgroup | 3 |
| Census Block | 3012 |
| Census Tract | 960700 |
Source: Lawrence County records · APN 050153 00700
Assessment roll updated January 23, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 286 BLUFF RD, LORETTO, TN 38469-3000 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 28, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK |
| Mar 10, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FARMERS & MERCHANTS BANK |
| Nov 30, 2021 | Warranty Deed, Transfer |
| Mar 08, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 30, 2021 · Amount on Record |
| Deed Sale | Nov 30, 2021 · Amount on Record |
| Prior Sale | Dec 10, 1986 · Amount on Record |
| Deed Doc Number | 20217899 |
| Deed Book / Page | 657 / 31 |
| Prior Transfer Date | Mar 06, 2021 |
| Prior Transfer Doc | 0000624901 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Jul 28, 2026 |
| Property Address | 286 BLUFF RD, LORETTO, TN 38469-3000 |
| Document Number | 0000004575 |
| Book / Page | 833 / 827 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 20264575 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 286 BLUFF RD, LORETTO, TN 38469-3000 |
| Document Number | 0000004575, |
|---|---|
| Date | Jul 28, 2026 |
| Book Page | 833/827 |
| Instrument | 20264575 |
| Name | FIRST MERCHANTS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 286 BLUFF RD, LORETTO, TN 38469-3000 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000706541 |
|---|---|
| Date | Mar 10, 2023 |
| Book Page | 706/541 |
| Instrument | 23001411 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Apr 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 6% |
| Max Rate At Change | 8% |
| Index | 52-Week T-Bill (1-Year) |
| Max Rate | 12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Nov 30, 2021 |
| Property Address | 286 BLUFF RD, LORETTO, TN 38469-3000 |
| Document Number | 0000065731 |
| Book / Page | 657 / 31 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 21007899 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,222.85 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 286 BLUFF RD, LORETTO, TN 38469-3000 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Mar 08, 2021 |
| Property Address | 286 BLUFF RD, LORETTO, TN 38469-3000 |
| Document Number | 0000624901 |
| Book / Page | 624 / 901 |
| Instrument Date | Mar 06, 2021 |
| Instrument | 21001420 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 282 BLUFF RD, LORETTO, TN 38469-3000 |
Source: Lawrence County records · Assessment roll updated January 23, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lawrence County |
| Unified School District | Lawrence County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $980.00 Additional exemption filed | $48,725 (-) Land $7,925 Building $40,800 | |
| 2024 | $980.00 Additional exemption filed | $48,725 (-) Land $7,925 Building $40,800 | |
| 2023 | $980.00 Additional exemption filed | $48,725 (-) Land $7,925 Building $40,800 | |
| 2022 | $980.00 | $48,725 Land $7,925 Building $40,800 | $230,800 Land $67,600 Building $163,200 |
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