5 Urban Ln, Loretto, TN 38469 Property Records

Lawrence County property record for 5 Urban Ln, Loretto, TN 38469

Property Summary

Property Type	Rural Home
Details	1 ba · 1,436 sqft · built 1954
Lot Size	39.7 acres (1,729,768 sqft)
Owner	Individual Name on File
Last Sale	$11,250 (Apr 2018)
Tax Bill	$1,000 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Apr 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050158 00502`

Property Details

APN / Parcel Number

Primary APN	`050158 00502`
Alternative APN	`158 00502`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,436 sqft Living Area
1st Floor Area	1,436 sqft
Basement Area	1,500 sqft
Finished Basement	420 sqft
Unfinished Basement	1,080 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1984
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,729,768 sqft (39.7 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Shed	1 Shed
Shed Area	2,000 sqft
Pole Barn	1,560 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	5 URBAN LN
City	LORETTO
State	TN
Zip	38469-2533
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	2
Census Block Group	2
Census Block	2034
Census Tract	960700

Owner

5 Urban Ln, a rural home, is owned and occupied by an individual who acquired it in April 2018.

Source: Lawrence County records, as of January 22, 2026

Owner of Record	Individual Name on File
Mailing Address	5 URBAN LN, LORETTO, TN 38469-2533
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2017	Deed of Trust, Mortgage FIRST FARMERS & MERCHANTS BANK
Apr 27, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Apr 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2018 · Amount on File
Deed Sale	Apr 26, 2018 · Amount on File
Prior Sale	Sep 9, 1994 · Amount on File
Deed Document Number	18002101
Deed Book / Page	532 / 506
Last Transfer Date	Apr 27, 2018
Transfer Doc	532736
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	5 URBAN LN, LORETTO, TN 38469-2533
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000516933
Date	Sep 22, 2017
Book Page	516/933
Instrument	17004857

Lender

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

Agreement

Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Apr 27, 2018
Property Address	5 URBAN LN, LORETTO, TN 38469-2533
Document Number	532736
Book / Page	000532 / 000736
Instrument Date	Apr 25, 2018
Instrument	2144
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$41.62
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 FOX RIDGE DR LORETTO TN 384692391, LORETTO, TN 38469-2391

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE TN
Recording Date	Apr 26, 2018
Property Address	5 URBAN LN, LORETTO, TN 38469-2533
Document Number	532506
Book / Page	000532 / 000506
Instrument Date	Apr 18, 2018
Instrument	2101
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 URBAN LN LORETTO TN 384692533, LORETTO, TN 38469-2533

Tax Assessment & Valuation

The 2025 property tax bill for 5 Urban Ln was $1,000 with an additional exemption.

Source: Lawrence County assessment roll, as of May 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,000.00 Additional exemption filed	$49,750 Land $14,425 Building $35,325
2023	$1,000.00 Additional exemption filed	$49,750 (-) Land $14,425 Building $35,325
2022	$1,000.00	$49,750 Land $14,425 Building $35,325	$244,200 Land $102,900 Building $141,300

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

Flood

FEMA maps place 5 Urban Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 17, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5 Urban Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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	0.05% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Skyline Telephone Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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