Lawrence County property record for 291 Bluff Rd, Loretto, TN 38469 · Last verified August 2026
| Property Type | Residential > Single Family > Rural Home |
|---|---|
| Bathrooms | 3.25 Baths |
| Year Built | Built 2012 |
| Square Footage | 3,056 sqft Living Area |
| Lot Size | 5,782,154 sqft (132 acres) |
| Garage | Mixed, 1,009 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $15,000 (2024) |
| Tax Bill | $2,840.00 (2025) |
| Primary APN | 050153 00704 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.25 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Building Area | 3,056 sqft Living Area |
| 1st Floor | 1,886 sqft 1st Floor |
| Upper Floors | 1,170 sqft Upper Floors |
| Basement Area | 1,152 sqft Basement |
| Unfinished Basement | 1,152 sqft Unfinished |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,782,154 sqft (132 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 1,009 sqft Garage |
| Pool Area | 648 sqft Pool |
|---|---|
| Shed | 1 Shed |
| Shed Area | 2,000 sqft Shed |
| Porch | Enclosed Porch |
| Porch Area | 406 sqft Porch |
| Topography | Rolling Topography |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 291 BLUFF RD |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-3001 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Rural Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Minor Civil Division | 6 |
| Census Blockgroup | 1 |
| Census Block | 1078 |
| Census Tract | 960600 |
Source: Lawrence County records · APN 050153 00704
Assessment roll updated January 23, 2026 · Last verified August 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 | 291 BLUFF RD, LORETTO, TN 38469-3001 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FARMERS & MERCHANTS BANK |
| Jun 26, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FARMERS & MERCHANTS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 25, 2024 · Amount on Record |
| Deed Sale | Oct 25, 2024 · Amount on Record |
| Prior Sale | Apr 16, 2001 · Amount on Record |
| Deed Doc Number | 20245754 |
| Deed Book / Page | 762 / 43 |
| Prior Transfer Date | Jun 11, 2024 |
| Prior Transfer Doc | 0000747686 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 291 BLUFF RD, LORETTO, TN 38469-3001 |
| Transaction Type | Mortgage |
| Record Updated | Dec 04, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000805753 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 805/753 |
| Instrument | 25006788 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | 816 S GARDEN ST, COLUMBIA, TN 38401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.62% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Dec 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 6.62% |
| Max Rate At Change | 8.62% |
| Index | 1-Year CMT |
| Max Rate | 12.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 291 BLUFF RD, LORETTO, TN 38469-3001 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000597910 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 597/910 |
| Instrument | 20003572 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 01, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Lawrence County records · Assessment roll updated January 23, 2026 · Last verified August 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,840.00 (-0.66%) Additional exemption filed | $141,250 (-0.67%) Land $28,600 Building $112,650 | |
| 2023 | $2,859.00 Additional exemption filed | $142,200 (-) Land $29,550 Building $112,650 | |
| 2022 | $2,859.00 | $142,200 Land $29,550 Building $112,650 | $709,200 Land $258,600 Building $450,600 |
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