Lawrence County property record for 404 N Main St, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,025 sqft · built 1952 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $99,500 (Aug 2016) |
| Tax Bill | $612 (2023) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151B B 01701 |
| Primary APN | 050151B B 01701 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,025 sqft Living Area |
| 1st Floor Area | 1,025 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 2,070 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 124 sqft |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 404 N MAIN ST |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3035 |
| 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | PO BOX 363, LORETTO, TN 38469-0363 |
| Owner Type | Company |
| Vesting | Trust, Family Living Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2016 · Amount on Record |
| Deed Sale | Aug 22, 2016 · Amount on Record |
| Prior Sale | Jul 11, 2014 · Amount on Record |
| Deed Document Number | 20164093 |
| Deed Book / Page | 487 / 968 |
| Last Transfer Date | May 16, 2025 |
| Transfer Doc | 0000002962 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 404 N MAIN ST, LORETTO, TN 38469-2350 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000657488 |
|---|---|
| Date | Dec 3, 2021 |
| Book Page | 657/488 |
| Instrument | 21007999 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
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 | $26,175 (-) Land $3,125 Building $23,050 | ||
| 2023 | $612.00 | $26,175 (-) Land $3,125 Building $23,050 | |
| 2022 | $612.00 | $26,175 Land $3,125 Building $23,050 | $104,700 Land $12,500 Building $92,200 |
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 41 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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