289 Lambs Ferry Rd, Loretto, TN 38469 Property Records

Lawrence County property record for 289 Lambs Ferry Rd, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,385 sqft · built 1975
Lot Size	10 acres (435,600 sqft)
Owner	Owner Name on File
Last Sale	$85,000 (Aug 1989)
Tax Bill	$1,982 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`050142 01101`

Property Details

APN / Parcel Number

Primary APN	`050142 01101`
Alternative APN	`142 01101`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	3,385 sqft Living Area
1st Floor Area	3,385 sqft
Basement Area	3,385 sqft
Finished Basement	3,385 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1982
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	600 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	192 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	289 LAMBS FERRY RD
City	LORETTO
State	TN
Zip	38469-2822
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	2
Census Block Group	1
Census Block	1009
Census Tract	960700

Owner

The current owner of 289 Lambs Ferry Rd bought it in August 1989.

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

Owner of Record	Owner Name on File
Mailing Address	289 LAMBS FERRY RD, LORETTO, TN 38469-2822
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage FIRST FARMERS & MERCHANTS BANK
Jun 1, 2018	Deed of Trust, Mortgage · Line of Credit HERITAGE BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 1989 · Amount on File
Deed Sale	Aug 3, 1989 · Amount on File
Deed Document Number	0000244123
Deed Book / Page	244 / 123
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	289 LAMBS FERRY RD, LORETTO, TN 38469-2822
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 LAMBS FERRY RD, LORETTO, TN 38469-2822

Mortgage

Document Number	0000679107
Date	Jun 2, 2022
Book Page	679/107
Instrument	22003840

Lender

Name	FIRST FARMERS & MERCHANTS BANK
Type	Bank
Address	COLUMBIA, TN 38402

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 2, 2037

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	289 LAMBS FERRY RD, LORETTO, TN 38469-2822
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	535613
Date	Jun 1, 2018
Book Page	535/613
Instrument	18002784

Lender

Name	HERITAGE BANK & TRUST
Type	Bank
Address	COLUMBIA, TN 38401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	83 Months
Due	May 30, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 289 Lambs Ferry Rd was $1,982.

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	$1,982.00	$98,600 Land $9,275 Building $89,325
2023	$1,982.00	$98,600 (-) Land $9,275 Building $89,325
2022	$1,982.00	$98,600 Land $9,275 Building $89,325	$394,400 Land $37,100 Building $357,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 289 Lambs Ferry Rd in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 289 Lambs Ferry Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood	0.02% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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