418 Riddle Ln, Loretto, TN 38469 Property Records

Lawrence County property record for 418 Riddle Ln, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,054 sqft · built 2007
Lot Size	2.07 acres (90,169 sqft)
Owner	2 Individual Names on File
Last Sale	$8,788 (Dec 2006)
Tax Bill	$1,700 (2023)
Deeds & Mortgages	Dec 2023 Second Mortgage Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`050152 04805`

Property Details

APN / Parcel Number

Primary APN	`050152 04805`
Alternative APN	`152 04805`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,054 sqft Living Area
1st Floor Area	2,054 sqft
Basement Area	957 sqft
Unfinished Basement	957 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	90,169 sqft (2.07 acres)
Garage Type	Carport
Garage Area	576 sqft
Carport	Carport
Carport Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Deck Area	576 sqft
Patio Area	576 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	418 RIDDLE LN
City	LORETTO
State	TN
Zip	38469-2222
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	3058
Census Tract	960700

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	418 RIDDLE LN, LORETTO, TN 38469-2222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 20, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FARMERS & MERCHANTS BANK
Jul 30, 2021	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 5, 2020	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 1, 2006 · Amount on Record
Deed Sale	Dec 1, 2006 · Amount on Record
Deed Book / Page	246 / 261
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	418 RIDDLE LN, LORETTO, TN 38469-2222
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000730811
Date	Dec 4, 2023
Book Page	730/811
Instrument	23006396

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	418 RIDDLE LN, LORETTO, TN 38469-2222
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 RIDDLE LN, LORETTO, TN 38469-2222

Mortgage

Document Number	0000673847
Date	Apr 20, 2022
Book Page	673/847
Instrument	22002760

Lender

Name	FIRST FARMERS & MERCHANTS BANK
Type	Bank
Address	COLUMBIA, TN 38402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	418 RIDDLE LN, LORETTO, TN 38469-2222
Transaction Type	Mortgage
Record Updated	Aug 13, 2021
Title Company	DHI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	643330
Date	Jul 30, 2021
Book Page	643/330
Instrument	21005116

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	418 RIDDLE LN, LORETTO, TN 38469-2222
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	592766
Date	May 5, 2020
Book Page	592/766
Instrument	20002480

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Lawrence County
Municipality	Loretto City
Unified School District	Lawrence County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$72,600 (-) Land $4,100 Building $68,500
2023	$1,700.00	$72,600 (-) Land $4,100 Building $68,500
2022	$1,700.00	$72,600 Land $4,100 Building $68,500	$290,400 Land $16,400 Building $274,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Loretto Telephone Company Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
T-Mobile USA Fixed Wireless	100 / 20

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