Lawrence County property record for 406 2nd Ave S, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,838 sqft · built 1961 |
| Lot Size | 0.819 acres (35,700 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Feb 2024) |
| Tax Bill | $987 (2023) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Dec 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151I B 00600 |
| Primary APN | 050151I B 00600 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,838 sqft Living Area |
| 1st Floor Area | 1,838 sqft |
| Flooring | Hardwood |
| Interior Walls | Paneling |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 35,700 sqft (0.819 acres) |
| Lot Dimensions | 210 ft deep x 170 ft wide |
| Garage Type | Mixed |
| Garage Area | 702 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 24 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 406 2ND AVE S |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3060 |
| Census Tract | 960700 |
406 2nd Ave S is owned and occupied by two individuals who bought it in February 2024.
Source: Lawrence County records, as of May 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 2ND AVE S, LORETTO, TN 38469-2127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 14, 2024 | Warranty Deed, Transfer · USDA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Dec 29, 2023 | Warranty Deed, Transfer |
| Mar 27, 2023 | Deed of Trust, Mortgage · Line of Credit CAPSTAR BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2024 · Amount on File |
| Deed Sale | Feb 14, 2024 · Amount on File |
| Prior Sale | Dec 29, 2023 · Amount on File |
| Deed Document Number | 2024714 |
| Deed Book / Page | 736 / 31 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Feb 14, 2024 |
| Property Address | 406 2ND AVE S, LORETTO, TN 38469-2127 |
| Document Number | 0000073631 |
| Book / Page | 736 / 31 |
| Instrument Date | Feb 12, 2024 |
| Instrument | 24000714 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $777.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 2ND AVE S, LORETTO, TN 38469-2127 |
| Document Number | 0024000715 |
|---|---|
| Date | Feb 14, 2024 |
| Instrument | 24000715 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Dec 29, 2023 |
| Property Address | 406 2ND AVE S, LORETTO, TN 38469-2127 |
| Document Number | 0000732820 |
| Book / Page | 732 / 820 |
| Instrument Date | Dec 29, 2023 |
| Instrument | 23006864 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $555.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 25 PACE RD, SAINT JOSEPH, TN 38481-5037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 406 2ND AVE S, LORETTO, TN 38469-2127 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000708129 |
|---|---|
| Date | Mar 27, 2023 |
| Book Page | 708/129 |
| Instrument | 23001752 |
| Name | CAPSTAR BANK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37230 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $42,200 Land $1,875 Building $40,325 | ||
| 2023 | $987.00 | $42,200 (-) Land $1,875 Building $40,325 | |
| 2022 | $987.00 | $42,200 Land $1,875 Building $40,325 | $168,800 Land $7,500 Building $161,300 |
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.
FEMA maps place 406 2nd Ave S in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 406 2nd Ave S is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 50% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.04% 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 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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