518 N Main St, Loretto, TN 38469 Property Records

Lawrence County property record for 518 N Main St, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,257 sqft · built 1961
Lot Size	0.384 acres (16,740 sqft)
Owner	2 Trust Names on File
Last Sale	$107,500 (Oct 2023)
Tax Bill	$974 (2024)
Deeds & Mortgages	Oct 2023 Sale & Second Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050151B B 00300`

Property Details

APN / Parcel Number

Primary APN	`050151B B 00300`
Alternative APN	`151B B 00300`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,257 sqft Living Area
1st Floor Area	1,257 sqft
Basement Area	204 sqft
Finished Basement	204 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2000
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	16,740 sqft (0.384 acres)
Lot Dimensions	209 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	18 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	518 N MAIN ST
City	LORETTO
State	TN
Zip	38469-2351
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 2
Jurisdiction	LAWRENCE TN
Township / Civil Division	2
Census Block Group	3
Census Block	3029
Census Tract	960700

Owner

518 N Main St is held in a trust since October 2023.

Source: Lawrence County records, as of May 12, 2026

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 363, LORETTO, TN 38469-0363
Owner Type	Company
Vesting	Trust, Family Living Trust

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
Oct 4, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 4, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2023 · Amount on File
Deed Sale	Oct 4, 2023 · Amount on File
Prior Sale	May 5, 2014 · Amount on File
Deed Document Number	20235359
Deed Book / Page	725 / 936
Prior Transfer Date	Jun 19, 2018
Prior Transfer Doc	0000537599
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Oct 4, 2023
Property Address	518 N MAIN ST, LORETTO, TN 38469-2351
Document Number	0000725936
Book / Page	725 / 936
Instrument Date	Sep 26, 2023
Instrument	23005359
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$397.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	826 N MILITARY AVE, LAWRENCEBURG, TN 38464-2654
Investor	Possibly a Property Investor

Mortgage

Document Number	0000725959
Date	Oct 4, 2023
Book Page	725/959
Instrument	23005362

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Oct 4, 2023
Property Address	518 N MAIN ST, LORETTO, TN 38469-2351
Document Number	0000725938
Book / Page	725 / 938
Instrument Date	Sep 26, 2023
Instrument	23005360
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.95
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	518 N MAIN ST, LORETTO, TN 38469-2351

Mortgage

Document Number	0023005361
Date	Oct 4, 2023
Instrument	23005361

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE TN
Recording Date	Jun 26, 2018
Property Address	518 N MAIN ST, LORETTO, TN 38469-2351
Document Number	537599
Book / Page	000537 / 000599
Instrument Date	Jun 19, 2018
Instrument	3251
Transaction Type	Transfer
Record Updated	Jul 5, 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	518 N MAIN ST LORETTO TN 384692351, LORETTO, TN 38469-2351

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		$34,625 (-) Land $2,500 Building $32,125
2024	$974.00 (+48.7%)	$34,625 (+2.37%) Land $2,500 Building $32,125
2023	$655.00	$33,825 (+20.7%) Land $2,500 Building $31,325
2022	$655.00	$28,025 Land $2,500 Building $25,525	$138,500 Land $10,000 Building $128,500

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.

Flood

FEMA maps place 518 N Main St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 518 N Main St is low, with a 0.03% annual chance of 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	0.03% 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 27 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 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Main St

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