51 Oak Shadow Dr, Loretto, TN 38469 Property Records

Lawrence County property record for 51 Oak Shadow Dr, Loretto, TN 38469 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,613 sqft · built 2002
Lot Size	8.76 acres (381,586 sqft)
Owner	Individual Name on File
Last Sale	$560,000 (Feb 2022)
Tax Bill	$2,548 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050157 01911`

Property Details

APN / Parcel Number

Primary APN	`050157 01911`
Alternative APN	`157 01911`

Interior

Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,613 sqft Living Area
1st Floor Area	1,851 sqft
Upper Floors Area	1,270 sqft
Attic Area	546 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2012
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	381,586 sqft (8.76 acres)
Garage Type	Mixed
Garage Area	546 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	111 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	51 OAK SHADOW DR
City	LORETTO
State	TN
Zip	38469-2561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	1
Census Block Group	1
Census Block	1029
Census Tract	960700

Owner

Source: Lawrence County records · APN 050157 01911

Assessment roll updated May 20, 2025 · Last verified February 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 File
Co-owner	Verified Secondary Owner
Mailing Address	51 OAK SHADOW DR, LORETTO, TN 38469-2561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 04, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD
May 13, 2019	Warranty Deed, Transfer · Conventional Mortgage GARDNER FINANCIAL SERVICES LTD

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 04, 2022 · Amount on Record
Deed Sale	Feb 04, 2022 · Amount on Record
Prior Sale	May 13, 2019 · Amount on Record
Deed Document Number	22000817
Deed Book / Page	664 / 397
Record Updated	Jun 08, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Feb 04, 2022
Property Address	51 OAK SHADOW DR, LORETTO, TN 38469-2561
Document Number	0000664397
Book / Page	664 / 397
Instrument Date	Jan 28, 2022
Instrument	22000817
Transaction Type	Transfer
Record Updated	Feb 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,072.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 OAK SHADOW DR, LORETTO, TN 38469-2561

Mortgage

Document Number	0022000818
Date	Feb 04, 2022
Instrument	22000818

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	51 OAK SHADOW DR, LORETTO, TN 38469-2561
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	BRENTWOOD T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	594801
Date	May 27, 2020
Book Page	594/801
Instrument	20002913

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company
Address	SAN ANTONIO, TX 78231

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	May 13, 2019
Property Address	51 OAK SHADOW DR, LORETTO, TN 38469-2561
Document Number	0000562327
Book / Page	562 / 327
Instrument Date	May 10, 2019
Instrument	19002461
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,431.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	51 OAK SHADOW DR, LORETTO, TN 38469-2561

Mortgage

Document Number	0019002462
Date	May 13, 2019
Instrument	19002462

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: Lawrence County records · Assessment roll updated May 20, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,548.00	$126,725 (-) Land $15,075 Building $111,650
2023	$2,548.00	$126,725 (-) Land $15,075 Building $111,650
2022	$2,548.00	$126,725 Land $15,075 Building $111,650	$506,900 Land $60,300 Building $446,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lawrence County (47099C), updated November 17, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 470999607001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 28% of Tennessee
Wildfire Likelihood	About 1 in 2,564 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 5 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Loretto Telephone Company	Fiber	1,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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