Lawrence County property record for 300 Ramah Rd, Loretto, TN 38469
| Property Type | Rural Home |
|---|---|
| Details | 3 ba · 3,266 sqft · built 2023 |
| Lot Size | 23.6 acres (1,030,194 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (May 2021) |
| Tax Bill | $3,237 (2025) |
| Deeds & Mortgages | Jul 2022 Construction Loan Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 050150 01501 |
| Primary APN | 050150 01501 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,266 sqft Living Area |
| Upper Floors Area | 560 sqft |
| Basement Area | 2,878 sqft |
| Unfinished Basement | 2,878 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,030,194 sqft (23.6 acres) |
| Terrain | Rolling |
| Garage Type | Finished |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Open Porch |
| Patio Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 300 RAMAH RD |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 960900 |
300 Ramah Rd, a rural home, is owned and occupied by two individuals who bought it in May 2021.
Source: Lawrence County records, as of January 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 300 RAMAH RD, LORETTO, TN 38469-2829 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 18, 2022 | Deed of Trust, Mortgage · Construction Mortgage FIRST FARMERS & MERCHANTS BANK |
| Jul 10, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST FARMERS & MERCHANTS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2021 · Amount on File |
| Deed Sale | May 6, 2021 · Amount on File |
| Deed Document Number | 00RB632421 |
| Deed Book / Page | 271 / 181 |
| Prior Transfer Date | Oct 25, 1993 |
| Prior Transfer Doc | 0000271181 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 300 RAMAH RD, LORETTO, TN 38469-2829 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 120 PARK ST, LORETTO, TN 38469-2319 |
| Document Number | 0000068461 |
|---|---|
| Date | Jul 18, 2022 |
| Book Page | 684/61 |
| Instrument | 22004890 |
| Name | FIRST FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 253 Months |
| Due | Aug 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 308 RAMAH RD, LORETTO, TN 38469-2829 |
| Document Number | 511705 |
| Book / Page | 000511 / 000705 |
| Instrument Date | Jul 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 308 RAMAH RD LORETTO TN 384692829, LORETTO, TN 38469-2829 |
| Document Number | 511705 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 000511/000705 |
| Instrument | 3623 |
| Name | FIRST FARMERS & MERCHANTS BK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402-1148 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 13, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 300 Ramah Rd was $3,237 with an additional exemption.
Source: Lawrence County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lawrence County |
| Unified School District | Lawrence County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,237.00 Additional exemption filed | $161,025 Land $5,650 Building $155,375 | |
| 2023 | $2,053.00 (+2,373.49%) Additional exemption filed | $161,025 (+3,803.64%) Land $5,650 Building $155,375 | |
| 2022 | $83.00 | $4,125 Land $4,125 | $678,700 Land $57,200 Building $621,500 |
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.
FEMA maps place 300 Ramah Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 risk around 300 Ramah Rd is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 54% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures