Lawrence County property record for 504 W Commerce St, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 720 sqft · built 1957 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $120,000 (Sep 2026) |
| Tax Bill | $350 (2023) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050151H B 00401 |
| Primary APN | 050151H B 00401 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Utility Room | Utility Room |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Terrain | Rolling |
| Garage Type | Carport |
| Garage Area | 198 sqft |
| Carport | Carport |
| Carport Area | 198 sqft |
| Porch | Slab |
| Porch Area | 28 sqft |
| Cooling System | None |
|---|---|
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 504 W COMMERCE ST |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2142 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2; SUBDIVISION: HAYES ADD |
| Legal Subdivision | HAYES ADD |
| Legal Lot Number | 36,37 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 960700 |
Source: Lawrence County records, as of September 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 504 W COMMERCE ST, LORETTO, TN 38469-2142 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION |
| Aug 2, 2021 | Warranty Deed, Transfer EMPLOYEES RESOURCES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2026 · Amount on Record |
| Deed Sale | Sep 15, 2026 · Amount on Record |
| Prior Sale | Aug 2, 2021 · Amount on Record |
| Deed Document Number | 20265628 |
| Deed Book / Page | 839 / 488 |
| Prior Transfer Date | May 16, 2025 |
| Prior Transfer Doc | 0000002962 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Sep 15, 2026 |
| Property Address | 504 W COMMERCE ST, LORETTO, TN 38469-2142 |
| Document Number | 0000005628 |
| Book / Page | 839 / 488 |
| Instrument Date | Sep 11, 2026 |
| Instrument | 20265628 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $44,844.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 504 W COMMERCE ST, LORETTO, TN 38469-2142 |
| Document Number | 0000005629, |
|---|---|
| Date | Sep 15, 2026 |
| Instrument | 20265629 |
| Name | UNION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 11, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Aug 2, 2021 |
| Property Address | 504 W COMMERCE ST, LORETTO, TN 38469-2142 |
| Document Number | 0000643607 |
| Book / Page | 643 / 607 |
| Map Reference | MB 37 PG 99 |
| Instrument Date | Jul 28, 2021 |
| Instrument | 21005180 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 504 W COMMERCE ST, LORETTO, TN 38469-2142 |
| Document Number | 0021005181 |
|---|---|
| Date | Aug 2, 2021 |
| Instrument | 21005181 |
| Name | EMPLOYEES RESOURCES CU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 179 Months |
| Due | Jul 28, 2036 |
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 | $14,975 (-) Land $875 Building $14,100 | ||
| 2024 | $14,975 (-) Land $875 Building $14,100 | ||
| 2023 | $350.00 | $14,975 (-) Land $875 Building $14,100 | |
| 2022 | $350.00 | $14,975 Land $875 Building $14,100 | $59,900 Land $3,500 Building $56,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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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