Lawrence County property record for 312 W Commerce St, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,508 sqft · built 1979 |
| Lot Size | 0.282 acres (12,300 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $187,000 (Jul 2026) |
| Tax Bill | $995 (2023) |
| Deeds & Mortgages | Jul 2026 Sale Feb 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151H C 00201 |
| Primary APN | 050151H C 00201 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,508 sqft Living Area |
| 1st Floor Area | 1,508 sqft |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,300 sqft (0.282 acres) |
| Lot Dimensions | 150 ft deep x 82 ft wide |
| Garage Type | Carport |
| Garage Area | 336 sqft |
| Carport | Carport |
| Carport Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 184 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 312 W COMMERCE ST |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2; SUBDIVISION: HAYES; BLOCK: 5 |
| Legal Subdivision | HAYES |
| Legal Block | 5 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3049 |
| Census Tract | 960700 |
Source: Lawrence County records, as of July 22, 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 Record |
|---|---|
| Mailing Address | 28170 FOGG LN, ELKMONT, AL 35620-3176 |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jul 10, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 25, 2022 | Warranty Deed, Transfer · FHA Mortgage GARDNER FINANCIAL SERVICES LTD |
| Jan 11, 2017 | Warranty Deed, Transfer LAWRENCEBURG FEDERAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2026 · Amount on Record |
| Deed Sale | Jul 10, 2026 · Amount on Record |
| Prior Sale | Feb 25, 2022 · Amount on Record |
| Deed Document Number | 20264188 |
| Deed Book / Page | 832 / 85 |
| Prior Transfer Date | May 16, 2025 |
| Prior Transfer Doc | 0000002962 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Jul 10, 2026 |
| Property Address | 312 W COMMERCE ST, LORETTO, TN 38469-2140 |
| Document Number | 0000004188 |
| Book / Page | 832 / 85 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 20264188 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $69,881.90 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28170 FOGG LN, ELKMONT, AL 35620-3176 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Feb 25, 2022 |
| Property Address | 312 W COMMERCE ST, LORETTO, TN 38469-2140 |
| Document Number | 0000066720 |
| Book / Page | 667 / 20 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 22001399 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $714.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 W COMMERCE ST, LORETTO, TN 38469-2140 |
| Document Number | 0022001400 |
|---|---|
| Date | Feb 25, 2022 |
| Instrument | 22001400 |
| Name | GARDNER FINANCIAL SERVICES LTD |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Jan 11, 2017 |
| Property Address | 312 W COMMERCE ST, LORETTO, TN 38469-2140 |
| Document Number | 0000049874 |
| Book / Page | 498 / 74 |
| Instrument Date | Jan 11, 2017 |
| Instrument | 17000138 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 W COMMERCE ST, LORETTO, TN 38469-2140 |
| Document Number | 49876 |
|---|---|
| Date | Jan 11, 2017 |
| Book Page | 498/76 |
| Instrument | 17000139 |
| Name | LAWRENCEBURG FEDERAL |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 1, 2047 |
Source: Lawrence County assessment roll, as of January 23, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lawrence County |
| Municipality | Loretto City |
| Unified School District | Lawrence County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $42,550 (-) Land $1,500 Building $41,050 | ||
| 2023 | $995.00 | $42,550 (-) Land $1,500 Building $41,050 | |
| 2022 | $995.00 | $42,550 Land $1,500 Building $41,050 | $170,200 Land $6,000 Building $164,200 |
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.
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.
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.
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 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Skyline Telephone Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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