46 Lindsey Rd, Loretto, TN 38469 Property Records

Lawrence County property record for 46 Lindsey Rd, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 800 sqft · built 1990
Lot Size	2.1 acres (91,476 sqft)
Owner	2 Individual Names on Record
Last Sale	$12,000 (Nov 1997)
Tax Bill	$643 (2023)
Deeds & Mortgages	Jul 2019 Mortgage Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`050152 01208`

Property Details

APN / Parcel Number

Primary APN	`050152 01208`
Alternative APN	`152 01208`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2006
Exterior Material	Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	91,476 sqft (2.1 acres)

Exterior Amenities

Porch	Slab
Porch Area	396 sqft
Deck Area	384 sqft
Patio Area	384 sqft
Shed	1 Shed
Shed Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	46 LINDSEY RD
City	LORETTO
State	TN
Zip	38469-3019
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	3040
Census Tract	960700

Owner

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 Individual Names on Record
Mailing Address	PO BOX 275, LORETTO, TN 38469-0275
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Mar 5, 2020	Deed of Trust, Mortgage · Line of Credit THE BANK OF WAYNESBORO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 1997 · Amount on Record
Deed Sale	Nov 25, 1997 · Amount on Record
Prior Sale	Jun 17, 1990 · Amount on Record
Deed Book / Page	296 / 660
Last Transfer Date	May 2, 2023
Transfer Doc	0000002420
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	46 LINDSEY RD, LORETTO, TN 38469-3019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	567965
Date	Jul 22, 2019
Book Page	567/965
Instrument	19003758

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	46 LINDSEY RD, LORETTO, TN 38469-3019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	587541
Date	Mar 5, 2020
Book Page	587/541
Instrument	20001388

Lender

Name	THE BANK OF WAYNESBORO
Type	Bank
Address	LAWRENCEBURG, TN 38464

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 4, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$27,450 (-) Land $3,925 Building $23,525
2023	$643.00	$27,450 (-) Land $3,925 Building $23,525
2022	$643.00	$27,450 Land $3,925 Building $23,525	$109,800 Land $15,700 Building $94,100

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	Moderate above 40% of the US · above 57% of Tennessee
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 28 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 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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