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Single Family ResidenceResidential
$91,588$64 / 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 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

404 W COMMERCE ST

LORETTO, TN 38469
1
Baths
1,421 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.
0.34 ac
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$92K
$77K low$107K high

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$24,450 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$22,950
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$24,450
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$97,800

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family 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.1982
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)

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

H
Loretto High SchoolC+
High · Grades 9–12 · 0.7 mi
E
South Lawrence Elementary SchoolB-
Elementary · Grades PK–8 · 1.1 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

404 W Commerce St 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 less than 89% of homes in Loretto 38469
  • Costs less per square foot than 94% of homes in Lawrence County
  • Has a smaller lot than 93% of homes in Loretto 38469
  • Older than 90% of homes in Lawrence County

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
$42K$621K

This home is worth more than 11% 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$91,588
CheaperTypical $222,940Pricier

Pricier than 11% of homes nearby

Price per ft²$64
CheaperTypical $143Pricier

Pricier than 8% of homes nearby

Living area1,421 ft²
SmallerTypical 1,512 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.34 ac
SmallerTypical 1.68 acBigger

Bigger than 7% of homes nearby

Year built1940
OlderTypical 1979Newer

Newer than 13% of homes nearby

How 404 W Commerce St ranks against every home in each area.
MeasureThis homeLoretto 38469Lawrence County
Estimated valuepricier than$91,58811% of homes11% of homes
Price per ft²pricier than$648% of homes6% of homes
Living areabigger than1,421 ft²43% of homes46% of homes
Lot sizebigger than0.34 ac7% of homes13% of homes
Year builtnewer than194013% of homes10% of homes

About 404 W Commerce St

How much is 404 W Commerce St, Loretto, TN worth?

The TopHap Estimate for 404 W Commerce St, Loretto, TN is $91,588 as of Aug 30, 2026. The likely range is $76,521 to $106,655. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 404 W Commerce St, Loretto, TN last sell?

404 W Commerce St, Loretto, TN last sold on Dec 29, 1969, according to the county's recorded deed.

How big is 404 W Commerce St, Loretto, TN?

404 W Commerce St, Loretto, TN has 1 bathrooms and 1,421 square feet of living space.

When was 404 W Commerce St, Loretto, TN built?

404 W Commerce St, Loretto, TN was built in 1940, making it 86 years old. The building has 1 story.

What schools serve 404 W Commerce St, Loretto, TN?

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

How does 404 W Commerce St, Loretto, TN compare to other homes in Loretto 38469?

Among the 1,761 homes in Loretto 38469, it is worth more than 11% of them ($91,588 against a typical $222,940), its price per square foot is higher than 8% of them ($64 against a typical $143), it is bigger than 43% of them (1,421 ft² against a typical 1,512 ft²), its lot is bigger than 7% of them (0.34 ac against a typical 1.68 ac) and it is newer than 13% of them (1940 against a typical 1979). Measured against all of Lawrence County, it is worth more than 11% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on W Commerce St

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Assigned schools

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