Lawrence County property record for 313 W Commerce St, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,023 sqft · built 1956 |
| Lot Size | 0.679 acres (29,580 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $360,000 (Apr 2025) |
| Tax Bill | $1,055 (2023) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151H A 01800 |
| Primary APN | 050151H A 01800 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,023 sqft Living Area |
| 1st Floor Area | 1,556 sqft |
| Upper Floors Area | 1,556 sqft |
| Basement Area | 1,556 sqft |
| Finished Basement | 1,556 sqft |
| Unfinished Basement | 1,556 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 29,580 sqft (0.679 acres) |
| Lot Dimensions | 170 ft deep x 174 ft wide |
| Garage Type | Carport |
| Garage Area | 600 sqft |
| Carport | Carport |
| Carport Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Utility Building | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 313 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 HAYES |
| Legal Subdivision | OCONNOR |
| Legal Lot Number | 27/29 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 960700 |
Source: Lawrence County records, as of July 21, 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 |
| Date | Document |
|---|---|
| Jun 26, 2023 | Warranty Deed, Transfer · VA Mortgage FIRST COMMUNITY MORTGAGE INC |
| Mar 22, 2022 | Special Warranty Deed, Transfer SERVICELINK CRS, SERVICELINK LLC |
| Mar 20, 2020 | Court-Ordered Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2025 · Amount on Record |
| Deed Sale | Apr 23, 2025 · Amount on Record |
| Prior Sale | Mar 22, 2022 · Amount on Record |
| Deed Document Number | 20252282 |
| Deed Book / Page | 781 / 65 |
| Last Transfer Date | May 16, 2025 |
| Transfer Doc | 0000002962 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Jun 26, 2023 |
| Property Address | 313 W COMMERCE ST, LORETTO, TN 38469-2136 |
| Document Number | 0000716565 |
| Book / Page | 716 / 565 |
| Map Reference | MB 30 PG 456 |
| Instrument Date | Jun 21, 2023 |
| Instrument | 23003466 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2023 |
| Title Company | NOT AVAILABLE, FOUNDATION T&E SERIES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,184.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 313 W COMMERCE ST, LORETTO, TN 38469-2136 |
| Document Number | 0023003467 |
|---|---|
| Date | Jun 26, 2023 |
| Instrument | 23003467 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Mar 22, 2022 |
| Property Address | 313 W COMMERCE ST, LORETTO, TN 38469-2136 |
| Document Number | 0000670362 |
| Book / Page | 670 / 362 |
| Map Reference | MB 30 PG 456 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 22002044 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2022 |
| Title Company | SERVICELINK CRS, SERVICELINK LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $666.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3043 TOWNSGATE RD # 200, 3043, WESTLAKE VILLAGE, CA 91361-3027 |
| Name | Verified Name |
|---|---|
| Address | 313 W COMMERCE ST, LORETTO, TN 38469-2136 |
| Document Type | Court-Ordered Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Mar 20, 2020 |
| Property Address | 313 W COMMERCE ST, LORETTO, TN 38469-2136 |
| Document Number | 588683 |
| Book / Page | 000588 / 000683 |
| Instrument Date | Mar 5, 2020 |
| Instrument | 1642 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $387.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6101 CONDOR DR #200 MOORPARK CA 930212602, 200, MOORPARK, CA 93021-2602 |
| Investor | Possibly a Property Investor |
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 | $62,550 (-) Land $2,000 Building $60,550 | ||
| 2023 | $1,055.00 (-23.33%) | $62,550 (+6.38%) Land $2,000 Building $60,550 | |
| 2022 | $1,376.00 | $58,800 Land $2,000 Building $56,800 | $250,200 Land $8,000 Building $242,200 |
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 | 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.
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 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 |
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