520 N Main St, Loretto, TN 38469 Property Records

Lawrence County property record for 520 N Main St, Loretto, TN 38469

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,464 sqft · built 1962
Lot Size	0.379 acres (16,498 sqft)
Owner	2 Company Names on Record
Last Sale	$188,000 (Apr 2022)
Tax Bill	$1,060 (2024)
Deeds & Mortgages	Mar 2024 Transfer Apr 2022 Sale & Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`050151B B 00200`

Property Details

APN / Parcel Number

Primary APN	`050151B B 00200`
Alternative APN	`151B B 00200`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,464 sqft Living Area
1st Floor Area	1,260 sqft
Basement Area	204 sqft
Finished Basement	204 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,498 sqft (0.379 acres)
Lot Dimensions	205 ft deep x 80 ft wide
Garage Area	204 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	240 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 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

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

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Intrafamily Transfer, Transfer
Apr 29, 2022	Warranty Deed, Transfer · Line of Credit JERRY HENSLEY
Dec 20, 2021	Deed of Trust, Mortgage LAWRENCEBURG FEDERAL BANK
Sep 26, 2019	Deed of Trust, Mortgage · Commercial Mortgage LAWRENCEBURG FEDERAL BANK
May 25, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Nov 3, 2017	Grant Deed, Transfer FIDELITY NATIONAL TITLE
Apr 11, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	20222978
Deed Book / Page	674 / 847
Last Transfer Date	Mar 11, 2024
Transfer Doc	0000739899
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAWRENCE TN
Recording Date	Mar 26, 2024
Property Address	520 N MAIN ST, LORETTO, TN 38469-2351
Document Number	0000739899
Book / Page	739 / 899
Instrument Date	Mar 11, 2024
Instrument	24001481
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	Apr 29, 2022
Property Address	520 N MAIN ST, LORETTO, TN 38469-2351
Document Number	0000674847
Book / Page	674 / 847
Instrument Date	Apr 29, 2022
Instrument	22002978
Transaction Type	Transfer
Record Updated	May 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$695.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 N MAIN ST, LORETTO, TN 38469-2351

Mortgage

Document Number	0022002979
Date	Apr 29, 2022
Instrument	22002979

Lender

Name	JERRY HENSLEY
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2042

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	520 N MAIN ST, LORETTO, TN 38469-2351
Transaction Type	Mortgage
Record Updated	Dec 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 N MAIN ST, LORETTO, TN 38469-2351

Mortgage

Document Number	0000659337
Date	Dec 20, 2021
Book Page	659/337
Instrument	21008363

Lender

Name	LAWRENCEBURG FEDERAL BANK
Type	Bank
Address	LAWRENCEBURG, TN 38464

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2051

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE TN
Property Address	520 N MAIN ST, LORETTO, TN 38469-2351
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	573594
Date	Sep 26, 2019
Book Page	573/594
Instrument	19005035

Lender

Name	LAWRENCEBURG FEDERAL BANK
Type	Bank
Address	LAWRENCEBURG, TN 38464

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE TN
Recording Date	May 25, 2018
Property Address	520 N MAIN ST, LORETTO, TN 38469-2351
Document Number	535122
Book / Page	000535 / 000122
Instrument Date	May 24, 2018
Instrument	2668
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$318.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 N MAIN ST LORETTO TN 384692351, LORETTO, TN 38469-2351

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAWRENCE TN
Recording Date	Nov 3, 2017
Property Address	520 N MAIN ST, LORETTO, TN 38469-2351
Document Number	519895
Book / Page	000519 / 000895
Instrument Date	Oct 27, 2017
Instrument	5554
Transaction Type	Transfer
Record Updated	Nov 9, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$129.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 GLENDALE RD LORETTO TN 384692809, LORETTO, TN 38469-2809

April 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAWRENCE TN
Recording Date	Apr 11, 2017
Property Address	520 N MAIN ST, LORETTO, TN 38469-2351
Document Number	504309
Book / Page	000504 / 000309
Instrument Date	Apr 6, 2017
Instrument	1845
Transaction Type	Foreclosure
Record Updated	Apr 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4425 PONCE DE LEON BLVD #5TH CORAL GABLES FL 331461837, 5TH, CORAL GABLES, FL 33146-1837
Investor	Possibly a Property Investor

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		$37,725 (-) Land $2,500 Building $35,225
2024	$1,060.00 (+20.18%)
2023	$882.00 (+4.5%)	$37,725 (+4.57%) Land $2,500 Building $35,225
2022	$844.00	$36,075 Land $2,500 Building $33,575	$150,900 Land $10,000 Building $140,900

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

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	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

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