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Rural ResidenceResidential
$309,759$227 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $330,500 on Nov 30, 2021

286 BLUFF RD

LORETTO, TN 38469
1.5
Baths
1,363 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
20.99 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$310K
$262K low$357K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$330,500 · Nov 30, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$980 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$48,725 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,925
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$40,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$48,725
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$230,800

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.57
51
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
30
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
90
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Rural Residence
CountyLAWRENCE
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1983
Lot (acres)The size of the land the home sits on, from county records.20.99
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Mixed
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.ShedPorch · 266 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
South Lawrence Elementary SchoolB-
Elementary · Grades PK–8 · 2.6 mi
H
Loretto High SchoolC+
High · Grades 9–12 · 3.0 mi

District: Lawrence County School District

Neighborhood · ZIP 38469These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.98
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.124
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.61

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.4,361
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.66 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,849
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,416
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.59 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

286 Bluff Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 77% of homes in Loretto 38469
  • Costs more per square foot than 93% of homes in Loretto 38469
  • Has a bigger lot than 88% of homes in Loretto 38469

What homes are worth in Loretto 38469

Each bar is how many homes fall in that price range. The marker is this home.

This home
$39K$554K

This home is worth more than 77% of homes in Loretto 38469.

How it measures up in Loretto 38469

The dot is this home. The mark in the middle is the typical home in Loretto 38469.

Estimated value$309,759
CheaperTypical $218,004Pricier

Pricier than 77% of homes nearby

Price per ft²$227
CheaperTypical $139Pricier

Pricier than 93% of homes nearby

Living area1,363 ft²
SmallerTypical 1,508 ft²Bigger

Bigger than 38% of homes nearby

Lot size20.99 ac
SmallerTypical 1.7 acBigger

Bigger than 88% of homes nearby

Year built1978
OlderTypical 1979Newer

Newer than 49% of homes nearby

How 286 Bluff Rd ranks against every home in each area.
MeasureThis homeLoretto 38469Lawrence County
Estimated valuepricier than$309,75977% of homes76% of homes
Price per ft²pricier than$22793% of homes91% of homes
Living areabigger than1,363 ft²38% of homes41% of homes
Lot sizebigger than20.99 ac88% of homes88% of homes
Year builtnewer than197849% of homes47% of homes

About 286 Bluff Rd

How much is 286 Bluff Rd, Loretto, TN worth?

The TopHap Estimate for 286 Bluff Rd, Loretto, TN is $309,759 as of Sep 24, 2026. The likely range is $262,222 to $357,296. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 286 Bluff Rd, Loretto, TN last sell?

286 Bluff Rd, Loretto, TN last sold on Nov 30, 2021 for $330,500, according to the county's recorded deed.

How big is 286 Bluff Rd, Loretto, TN?

286 Bluff Rd, Loretto, TN has 1.5 bathrooms, 1,363 square feet of living space and a 20.99-acre lot.

When was 286 Bluff Rd, Loretto, TN built?

286 Bluff Rd, Loretto, TN was built in 1978, making it 48 years old. The building has 1 story.

What schools serve 286 Bluff Rd, Loretto, TN?

286 Bluff Rd, Loretto, TN is assigned to South Lawrence Elementary School (elementary), rated B-; Loretto High School (high), rated C+. All sit in Lawrence County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 286 Bluff Rd, Loretto, TN compare to other homes in Loretto 38469?

Among the 1,761 homes in Loretto 38469, it is worth more than 77% of them ($309,759 against a typical $218,004), its price per square foot is higher than 93% of them ($227 against a typical $139), it is bigger than 38% of them (1,363 ft² against a typical 1,508 ft²), its lot is bigger than 88% of them (20.99 ac against a typical 1.7 ac) and it is newer than 49% of them (1978 against a typical 1979). Measured against all of Lawrence County, it is worth more than 76% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 286 Bluff Rd, Loretto, TN?

The 2025 property tax bill for 286 Bluff Rd, Loretto, TN was $980. The county assessed it at $48,725.

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