Lawrence County property record for 318 Spring St, Loretto, TN 38469
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 3 ba · 2,287 sqft · built 1998 |
| Lot Size | 0.358 acres (15,614 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Sep 2019) |
| Tax Bill | $1,243 (2023) |
| Deeds & Mortgages | Apr 2020 Mortgage May 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151B A 00301 |
| Primary APN | 050151B A 00301 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,287 sqft Living Area |
| 1st Floor Area | 2,287 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,614 sqft (0.358 acres) |
| Lot Depth | 156 ft Depth |
| Terrain | Rolling |
| Patio Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 318 SPRING ST |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2172 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | DISTRICT: 2 |
| Legal Subdivision | LOT 9 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 960700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 8525 MISSION HOME RD, FREE UNION, VA 22940-2233 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMERCE BANK |
| May 1, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST CMRC BK |
| Sep 16, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Feb 21, 2018 | Loan Modification, Mortgage · Line of Credit HERITAGE BK NA-09 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2019 · Amount on Record |
| Deed Sale | Sep 16, 2019 · Amount on Record |
| Prior Sale | Dec 23, 2009 · Amount on Record |
| Deed Document Number | 20194752 |
| Deed Book / Page | 572 / 428 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 318 SPRING ST, LORETTO, TN 38469-2172 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 589988 |
|---|---|
| Date | Apr 6, 2020 |
| Book Page | 589/988 |
| Instrument | 20001930 |
| Name | FIRST COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | CHAPEL HILL, TN 37034 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 57 Months |
| Due | Jan 24, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 318 SPRING ST, LORETTO, TN 38469-2172 |
| Document Number | 797164 |
| Instrument Date | May 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 8525 MISSION HOME RD FREE UNION VA 229402233, FREE UNION, VA 22940-2233 |
| Document Number | 797164 |
|---|---|
| Date | May 4, 2020 |
| Book Page | 000797/000164 |
| Instrument | 1950 |
| Name | FIRST CMRC BK |
|---|---|
| Type | Bank |
| Address | CHAPEL HILL, TN 37034 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 3, 2025 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Sep 16, 2019 |
| Property Address | 318 SPRING ST, LORETTO, TN 38469-2172 |
| Document Number | 572428 |
| Book / Page | 000572 / 000428 |
| Instrument Date | Sep 9, 2019 |
| Instrument | 4752 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $555.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8525 MISSION HOME RD FREE UNION VA 229402233, FREE UNION, VA 22940-2233 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 318 SPRING ST, LORETTO, TN 38469-2172 |
| Document Number | 528744 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 705 LLOYD ST LAWRENCEBURG TN 384642919, LAWRENCEBURG, TN 38464-2919 |
| Document Number | 528744 |
|---|---|
| Date | Mar 12, 2018 |
| Book Page | 000528/000744 |
| Instrument | 1233 |
| Name | HERITAGE BK NA-09 |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 11, 2023 |
| Rate Type | Adjustable Rate |
|---|
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 | $53,120 (-) Land $1,680 Building $51,440 | ||
| 2024 | $53,120 (-) Land $1,680 Building $51,440 | ||
| 2023 | $1,243.00 | $53,120 (-) Land $1,680 Building $51,440 | |
| 2022 | $1,243.00 | $53,120 Land $1,680 Building $51,440 | $132,800 Land $4,200 Building $128,600 |
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 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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