Lawrence County property record for 604 2nd Ave S, Loretto, TN 38469
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,209 sqft · built 1958 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Jun 2022) |
| Tax Bill | $870 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050152M A 00500 |
| Primary APN | 050152M A 00500 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,209 sqft Living Area |
| 1st Floor Area | 1,209 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,000 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 604 2ND AVE S |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 2 |
| Legal Subdivision | CROWDER ADDITION |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3064 |
| Census Tract | 960700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 311 HORSESHOE CIR, LORETTO, TN 38469-2160 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK |
| Jun 21, 2022 | Warranty Deed, Transfer · FHA Mortgage GARDNER FINANCIAL SERVICES LTD |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 21, 2022 · Amount on Record |
| Deed Sale | Jun 21, 2022 · Amount on Record |
| Prior Sale | Aug 22, 2003 |
| Deed Document Number | 20224293 |
| Deed Book / Page | 681 / 175 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Apr 10, 2026 |
| Property Address | 604 2ND AVE S, LORETTO, TN 38469-2207 |
| Document Number | 0000002113 |
| Book / Page | 820 / 196 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 20262113 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 604 2ND AVE, LAWRENCEBURG, TN 38464-3425 |
| Document Number | 0000002113, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 820/196 |
| Instrument | 20262113 |
| Name | RENASANT BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Jun 21, 2022 |
| Property Address | 604 2ND AVE S, LORETTO, TN 38469-2207 |
| Document Number | 0000681175 |
| Book / Page | 681 / 175 |
| Instrument Date | Jun 21, 2022 |
| Instrument | 22004293 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 604 2ND AVE S, LORETTO, TN 38469-2207 |
| Document Number | 0022004294 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 22004294 |
| Name | GARDNER FINANCIAL SERVICES LTD |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
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 | $30,950 (-) Land $3,875 Building $27,075 | ||
| 2024 | $870.00 (+20.17%) | ||
| 2023 | $724.00 (+14.38%) | $30,950 (+14.31%) Land $3,875 Building $27,075 | |
| 2022 | $633.00 | $27,075 Land $3,875 Building $23,200 | $123,800 Land $15,500 Building $108,300 |
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.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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