317 W Commerce St, Loretto, TN 38469 Property Records

Lawrence County property record for 317 W Commerce St, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,146 sqft · built 1944
Lot Size	5.35 acres (233,046 sqft)
Owner	2 Trust Names on File
Last Sale	$139,000 (Jul 2017)
Tax Bill	$1,196 (2023)
Deeds & Mortgages	Jul 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`050151 01400`

Property Details

APN / Parcel Number

Primary APN	`050151 01400`
Alternative APN	`151 01400`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	2,146 sqft Living Area
1st Floor Area	1,683 sqft
Upper Floors Area	1,543 sqft
Basement Area	728 sqft
Finished Basement	140 sqft
Unfinished Basement	588 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1982
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	233,046 sqft (5.35 acres)
Garage Type	Carport
Garage Area	616 sqft
Carport	Carport
Carport Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	335 sqft
Utility Building	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	317 W COMMERCE ST
City	LORETTO
State	TN
Zip	38469-2136
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	3042
Census Tract	960700

Owner

317 W Commerce St is held in a trust since May 2025.

Source: Lawrence County records, as of August 11, 2026

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2017 · Amount on File
Deed Sale	Jul 13, 2017 · Amount on File
Prior Sale	Sep 27, 2004 · Amount on File
Deed Document Number	20173609
Deed Book / Page	511 / 656
Last Transfer Date	May 16, 2025
Transfer Doc	0000002962
Record Updated	Sep 20, 2026

July 2017: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	LAWRENCE TN
Recording Date	Jul 13, 2017
Property Address	317 W COMMERCE ST, LORETTO, TN 38469-2136
Document Number	0000511656
Book / Page	511 / 656
Instrument Date	Jul 13, 2017
Instrument	17003609
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$514.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 W COMMERCE ST, LORETTO, TN 38469-2142

Mortgage

Document Number	0017003610
Date	Jul 13, 2017
Instrument	17003610

Lender

Name	LAWRENCEBURG FEDERAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$51,075 Land $8,600 Building $42,475
2023	$1,196.00	$51,075 (-) Land $8,600 Building $42,475
2022	$1,196.00	$51,075 Land $8,600 Building $42,475	$204,300 Land $34,400 Building $169,900

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

FEMA maps place 317 W Commerce St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 317 W Commerce St is low, with a 0.02% annual chance of 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	Direct burnable vegetation

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 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