Lawrence County property record for 404 W Commerce St, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,421 sqft · built 1940 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $573 (2023) |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151H B 01100 |
| Primary APN | 050151H B 01100 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,421 sqft Living Area |
| 1st Floor Area | 1,421 sqft |
| Flooring | Hardwood |
| Interior Walls | Paneling |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 644 sqft |
| Carport | Carport |
| Carport Area | 644 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 404 W COMMERCE ST |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2; SUBDIVISION: HAYES; BLOCK: 4 |
| Legal Subdivision | HAYES |
| Legal Block | 4 |
| Legal Lot Number | 39 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3048 |
| 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 | Dec 29, 1969 |
| Deed Sale | Dec 29, 1969 |
| Deed Book / Page | 142 / 577 |
| Last Transfer Date | May 16, 2025 |
| Transfer Doc | 0000002962 |
| Record Updated | Jun 8, 2026 |
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 | $24,450 (-) Land $1,500 Building $22,950 | ||
| 2023 | $573.00 | $24,450 (-) Land $1,500 Building $22,950 | |
| 2022 | $573.00 | $24,450 Land $1,500 Building $22,950 | $97,800 Land $6,000 Building $91,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
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