309 W Commerce St, Loretto, TN 38469 Property Records

Lawrence County property record for 309 W Commerce St, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,752 sqft · built 1947
Lot Size	0.585 acres (25,500 sqft)
Owner	2 Company Names on Record
Last Sale	$83,500 (Nov 2017)
Tax Bill	$953 (2023)
Deeds & Mortgages	Nov 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`050151H A 01700`

Property Details

APN / Parcel Number

Primary APN	`050151H A 01700`
Alternative APN	`151H A 01700`

Interior

Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,752 sqft Living Area
1st Floor Area	1,354 sqft
Upper Floors Area	1,228 sqft
Attic	Attic
Attic Area	1,228 sqft
Basement Area	396 sqft
Finished Basement	156 sqft
Unfinished Basement	240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,500 sqft (0.585 acres)
Lot Dimensions	170 ft deep x 150 ft wide
Garage Type	Mixed
Garage Area	288 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	309 W COMMERCE ST
City	LORETTO
State	TN
Zip	38469-2136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2; SUBDIVISION: OCONNOR
Legal Subdivision	OCONNOR
Jurisdiction	LAWRENCE TN
Township / Civil Division	1
Census Block Group	3
Census Block	3042
Census Tract	960700

Owner

Source: Lawrence County records, as of May 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 363, LORETTO, TN 38469-0363
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2017 · Amount on Record
Deed Sale	Nov 28, 2017 · Amount on Record
Prior Sale	Mar 12, 1946
Deed Document Number	20175988
Deed Book / Page	521 / 686
Last Transfer Date	May 16, 2025
Transfer Doc	0000002962
Record Updated	Jun 8, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Nov 28, 2017
Property Address	309 W COMMERCE ST, LORETTO, TN 38469-2136
Document Number	521686
Book / Page	000521 / 000686
Instrument Date	Nov 27, 2017
Instrument	5988
Transaction Type	Transfer
Record Updated	Dec 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 UNION HILL RD LORETTO TN 384692834, LORETTO, TN 38469-2834

Mortgage

Document Number	521689
Date	Nov 28, 2017
Book Page	000521/000689
Instrument	5989

Lender

Name	CHARLES H WEATHERS
Address	3411 LOVE CIR, NASHVILLE, TN 37212-3225

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 27, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lawrence County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Lawrence County
Municipality	Loretto City
Unified School District	Lawrence County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$40,750 (-) Land $1,875 Building $38,875
2023	$953.00	$40,750 (-) Land $1,875 Building $38,875
2022	$953.00	$40,750 Land $1,875 Building $38,875	$163,000 Land $7,500 Building $155,500

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.

Flood

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20