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402 W Commerce St, Loretto, TN 38469 Property Records

Lawrence County property record for 402 W Commerce St, Loretto, TN 38469

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,444 sqft · built 1940
Lot Size0.344 acres (15,000 sqft)
OwnerIndividual Name on Record
Last Sale$236,000 (Jun 2026)
Tax Bill$659 (2024)
Deeds & MortgagesJun 2026 Sale
Dec 2023 Sale
Flood ZoneZone X (minimal risk)
APN050151H B 01200

Property Details

APN / Parcel Number

Primary APN050151H B 01200
Alternative APN
  • 151H B 01200

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,444 sqft Living Area
1st Floor Area1,444 sqft
Basement Area460 sqft
Finished Basement280 sqft
Unfinished Basement180 sqft
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1982
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area15,000 sqft (0.344 acres)
Lot Dimensions150 ft deep x 100 ft wide
Garage TypeDetached
Garage Area364 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area128 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC
SewerConnected
Water SourceCommercial

Location & Zoning

Street Address402 W COMMERCE ST
CityLORETTO
StateTN
Zip38469-2141
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDISTRICT: 2; SUBDIVISION: HAYES; BLOCK: 4
Legal SubdivisionHAYES ADDITION
Legal Block4
Legal Lot Number35-38
JurisdictionLAWRENCE TN
Township / Civil Division1
Census Block Group3
Census Block3048
Census Tract960700

Owner

Source: Lawrence County records, as of July 8, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address402 W COMMERCE ST, LORETTO, TN 38469-2141
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

DateDocument
Jun 26, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Dec 18, 2023Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 26, 2026 · Amount on Record
Deed SaleJun 26, 2026 · Amount on Record
Prior SaleDec 18, 2023 · Amount on Record
Deed Document Number20263910
Deed Book / Page830 / 369
Prior Transfer DateMay 16, 2025
Prior Transfer Doc0000002962
Record UpdatedSep 20, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAWRENCE TN
Recording DateJun 26, 2026
Property Address402 W COMMERCE ST, LORETTO, TN 38469-2141
Document Number0000003910
Book / Page830 / 369
Instrument DateJun 26, 2026
Instrument20263910
Transaction TypeTransfer
Record UpdatedJul 7, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$88,193.20
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address402 W COMMERCE ST, LORETTO, TN 38469-2141

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAWRENCE TN
Recording DateDec 18, 2023
Property Address402 W COMMERCE ST, LORETTO, TN 38469-2141
Document Number0000073252
Book / Page732 / 52
Map ReferenceMB 37 PG 99
Instrument DateDec 18, 2023
Instrument23006681
Transaction TypeTransfer
Record UpdatedJan 2, 2024

Transaction

AmountAmount Recorded
Tax$240.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address309 W COMMERCE ST, LORETTO, TN 38469-2136

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateTennessee
CountyLawrence County
MunicipalityLoretto City
Unified School DistrictLawrence County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$23,425 (-) Land $1,500 Building $21,925
2024$659.00 (+20.26%)
2023$548.00$23,425 (-) Land $1,500 Building $21,925
2022$548.00$23,425 Land $1,500 Building $21,925$93,700 Land $6,000 Building $87,700

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemLORETTO WATER DEPARTMENT
serves 5,054 people · EPA ID TN0000408
Water SourceGroundwater influenced by surface water
Last State InspectionFeb 2026
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Oct 2019
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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