Lawrence County property record for 405 W Commerce St, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,236 sqft · built 1945 |
| Lot Size | 0.688 acres (30,000 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $147,500 (Mar 2022) |
| Tax Bill | $739 (2023) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151H A 02000 |
| Primary APN | 050151H A 02000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,236 sqft Living Area |
| 1st Floor Area | 1,236 sqft |
| Attic | Attic |
| Attic Area | 1,236 sqft |
| Basement Area | 1,236 sqft |
| Unfinished Basement | 1,236 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 30,000 sqft (0.688 acres) |
| Lot Dimensions | 150 ft deep x 200 ft wide |
| Garage Type | Carport |
| Garage Area | 456 sqft |
| Carport | Carport |
| Carport Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 112 sqft |
| Utility Building | 330 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 405 W COMMERCE ST |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2; SUBDIVISION: HAYES; BLOCK: 6 |
| Legal Subdivision | HAYES |
| Legal Block | 6 |
| Legal Lot Number | 1-8 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 960700 |
Source: Lawrence County records, as of May 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day 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 |
| Date | Document |
|---|---|
| Dec 5, 2025 | Deed of Trust, Mortgage · Commercial Mortgage LAWRENCEBURG FEDERAL BANK |
| Mar 11, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage LAWRENCEBURG FEDERAL BANK |
| Dec 23, 2019 | Warranty Deed, Transfer · FHA Mortgage FIRST FARMERS AND MERCHANTS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2022 · Amount on Record |
| Deed Sale | Mar 11, 2022 · Amount on Record |
| Prior Sale | Dec 23, 2019 · Amount on Record |
| Deed Document Number | 20221800 |
| Deed Book / Page | 669 / 123 |
| Last Transfer Date | May 16, 2025 |
| Transfer Doc | 0000002962 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 405 W COMMERCE ST, LORETTO, TN 38469-2137 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 405 W COMMERCE ST, LORETTO, TN 38469-2137 |
| Document Number | 0000806628 |
|---|---|
| Date | Dec 5, 2025 |
| Book Page | 806/628 |
| Instrument | 25006979 |
| Name | LAWRENCEBURG FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | 118 W GAINES ST, LAWRENCEBURG, TN 38464 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 5, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Mar 11, 2022 |
| Property Address | 405 W COMMERCE ST, LORETTO, TN 38469-2137 |
| Document Number | 0000669123 |
| Book / Page | 669 / 123 |
| Map Reference | MB 37 PG 99 |
| Instrument Date | Mar 4, 2022 |
| Instrument | 22001800 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $545.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 W COMMERCE ST, LORETTO, TN 38469-2137 |
| Document Number | 0022001801 |
|---|---|
| Date | Mar 11, 2022 |
| Instrument | 22001801 |
| Name | LAWRENCEBURG FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 9, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Dec 23, 2019 |
| Property Address | 405 W COMMERCE ST, LORETTO, TN 38469-2137 |
| Document Number | 0000580875 |
| Book / Page | 580 / 875 |
| Map Reference | MB 37 PG 99 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 19006676 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $377.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 W COMMERCE STREET, LORETTO, AL |
| Document Number | 0019006677 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 19006677 |
| Name | FIRST FARMERS AND MERCHANTS BANK |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
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 | $31,575 (-) Land $2,125 Building $29,450 | ||
| 2023 | $739.00 | $31,575 (-) Land $2,125 Building $29,450 | |
| 2022 | $739.00 | $31,575 Land $2,125 Building $29,450 | $126,300 Land $8,500 Building $117,800 |
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 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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