Lawrence County property record for 89 Union Hill Rd, Loretto, TN 38469
| Property Type | Rural Home |
|---|---|
| Details | 3 ba · 3,098 sqft · built 2018 |
| Lot Size | 59.2 acres (2,582,237 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $158,000 (Feb 2017) |
| Tax Bill | $2,577 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Apr 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050142 00402 |
| Primary APN | 050142 00402 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,098 sqft Living Area |
| 1st Floor Area | 2,383 sqft |
| Upper Floors Area | 2,383 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 2,582,237 sqft (59.2 acres) |
| Terrain | Rolling |
| Porch | Open Porch |
| Porch Area | 1,250 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 89 UNION HILL RD |
|---|---|
| City | LORETTO |
| State | TN |
| Zip | 38469-2833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | DISTRICT: 2 |
| Jurisdiction | LAWRENCE TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 960700 |
89 Union Hill Rd, a rural home, is owned and occupied by two individuals who bought it in February 2017.
Source: Lawrence County records, as of January 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 76 UNION HILL RD, LORETTO, TN 38469-2830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 10, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT MID AMERICA FLCA |
| Apr 9, 2018 | Trustee's Deed, Construction Loan · Line of Credit FIRST FARMERS&MERCHANTS BK/COL |
| Feb 22, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 22, 2017 · Amount on File |
| Deed Sale | Feb 22, 2017 · Amount on File |
| Prior Sale | Mar 21, 2012 · Amount on File |
| Deed Document Number | 17000902 |
| Deed Book / Page | 500 / 850 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Property Address | 89 UNION HILL RD, LORETTO, TN 38469-2833 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 89 UNION HILL RD, LORETTO, TN 38469-2833 |
| Document Number | 0000060631 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 606/31 |
| Instrument | 20005203 |
| Name | FARM CREDIT MID AMERICA FLCA |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40299 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Apr 9, 2018 |
| Property Address | 89 UNION HILL RD, LORETTO, TN 38469-2833 |
| Book / Page | 000531 / 000046 |
| Instrument Date | Apr 9, 2018 |
| Instrument | 1768 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 16, 2018 |
| Name | Verified Name |
|---|---|
| Address | 89 UNION HILL RD LORETTO TN 38469, LORETTO, TN 38469 |
| Document Number | 53146 |
|---|---|
| Date | Apr 9, 2018 |
| Book Page | 000531/000046 |
| Instrument | 1768 |
| Name | FIRST FARMERS&MERCHANTS BK/COL |
|---|---|
| Type | Bank |
| Address | COLUMBIA, TN 38402-1148 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 8, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAWRENCE TN |
| Recording Date | Feb 22, 2017 |
| Property Address | 89 UNION HILL RD, LORETTO, TN 38469-2833 |
| Document Number | 0000500850 |
| Book / Page | 500 / 850 |
| Instrument Date | Feb 20, 2017 |
| Instrument | 17000902 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 METHVIN RD, LORETTO, TN 38469-2825 |
The 2025 property tax bill for 89 Union Hill Rd was $2,577 with an additional exemption.
Source: Lawrence County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Lawrence County |
| Unified School District | Lawrence County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,577.00 Additional exemption filed | $128,200 (-) Land $15,800 Building $112,400 | |
| 2024 | $2,577.00 Additional exemption filed | $128,200 (-) Land $15,800 Building $112,400 | |
| 2023 | $2,577.00 Additional exemption filed | $128,200 (-) Land $15,800 Building $112,400 | |
| 2022 | $2,577.00 | $128,200 Land $15,800 Building $112,400 | $577,600 Land $128,000 Building $449,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 89 Union Hill Rd 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 risk around 89 Union Hill Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 52% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.05% 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Skyline Telephone Fiber | 1,000 / 1,000 |
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