Lawrence County property record for 3 Ward Rd, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,705 sqft · built 1920 |
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | Individual Name on File |
| Last Sale | $217,000 (Sep 2021) |
| Tax Bill | $1,099 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050134 01001 |
| Primary APN | 050134 01001 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,705 sqft Living Area |
| 1st Floor Area | 1,705 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Interior Walls | Paneling |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 61,420 sqft (1.41 acres) |
| Porch | Open Porch |
| Porch Area | 99 sqft |
| Utility Building | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 3 WARD RD |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-3030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 960700 |
Source: Lawrence County records · APN 050134 01001
Assessment roll updated May 20, 2025 · Last verified February 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 File |
|---|---|
| Mailing Address | 3 WARD RD, LORETTO, TN 38469-3030 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 01, 2021 | Warranty Deed, Transfer · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD |
| Aug 03, 2020 | Warranty Deed, Transfer · VA Mortgage SYNOVUS BANK |
| Mar 06, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 01, 2021 · Amount on Record |
| Deed Sale | Sep 01, 2021 · Amount on Record |
| Prior Sale | Aug 03, 2020 · Amount on Record |
| Deed Document Number | 21005898 |
| Deed Book / Page | 646 / 962 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Sep 01, 2021 |
| Property Address | 3 WARD RD, LORETTO, TN 38469-3030 |
| Document Number | 646962 |
| Book / Page | 646 / 962 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 21005898 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $802.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 WARD RD, LORETTO, TN 38469-3030 |
| Document Number | 21005899 |
|---|---|
| Date | Sep 01, 2021 |
| Instrument | 21005899 |
| Name | GARDNER FINANCIAL SERVICES LTD |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Aug 03, 2020 |
| Property Address | 3 WARD RD, LORETTO, TN 38469-3030 |
| Document Number | 0000601778 |
| Book / Page | 601 / 778 |
| Instrument Date | Aug 03, 2020 |
| Instrument | 20004341 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $726.68 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 WARD RD, LORETTO, TN 38469-3030 |
| Document Number | 0020004342 |
|---|---|
| Date | Aug 03, 2020 |
| Instrument | 20004342 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Mar 06, 2019 |
| Property Address | 3 WARD RD, LORETTO, TN 38469-3030 |
| Document Number | 556284 |
| Book / Page | 000556 / 000284 |
| Instrument Date | Mar 05, 2019 |
| Instrument | 1064 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $157.25 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 602 MEADOW TER LACTTO TN 38469, LACTTO, TN 38469 |
Source: Lawrence County records · Assessment roll updated May 20, 2025 · Last verified February 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 | $1,099.00 | $54,675 (-) Land $3,625 Building $51,050 | |
| 2023 | $1,099.00 | $54,675 (-) Land $3,625 Building $51,050 | |
| 2022 | $1,099.00 | $54,675 Land $3,625 Building $51,050 | $218,700 Land $14,500 Building $204,200 |
Source: FEMA National Flood Hazard Layer as of November 17, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Loretto Telephone Company Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 43 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LORETTO WATER DEPARTMENT serves 5,054 people |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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