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Single Family ResidenceResidential
$165,078$134 / 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 94How 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
Last sold for $147,500 on Mar 11, 2022

405 W COMMERCE ST

LORETTO, TN 38469
1
Baths
1,236 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.
0.69 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$165K
$155K low$176K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$147,500 · Mar 11, 2022

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.$31,575 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,125
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$29,450
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$31,575
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$126,300

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.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.Carport (Unspecified)
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 112 ft²

Transaction History(2)

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.

H
Loretto High SchoolC+
High · Grades 9–12 · 0.8 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

405 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 71% of homes in Lawrence County
  • Smaller than 72% of homes in Loretto 38469
  • Has a smaller lot than 76% of homes in Loretto 38469
  • Older than 88% 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
$40K$572K

This home is worth more than 31% 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$165,078
CheaperTypical $223,982Pricier

Pricier than 31% of homes nearby

Price per ft²$134
CheaperTypical $143Pricier

Pricier than 42% of homes nearby

Living area1,236 ft²
SmallerTypical 1,508 ft²Bigger

Bigger than 28% of homes nearby

Lot size0.69 ac
SmallerTypical 1.7 acBigger

Bigger than 24% of homes nearby

Year built1945
OlderTypical 1979Newer

Newer than 14% of homes nearby

How 405 W Commerce St ranks against every home in each area.
MeasureThis homeLoretto 38469Lawrence County
Estimated valuepricier than$165,07831% of homes29% of homes
Price per ft²pricier than$13442% of homes37% of homes
Living areabigger than1,236 ft²28% of homes30% of homes
Lot sizebigger than0.69 ac24% of homes29% of homes
Year builtnewer than194514% of homes12% of homes

About 405 W Commerce St

How much is 405 W Commerce St, Loretto, TN worth?

The TopHap Estimate for 405 W Commerce St, Loretto, TN is $165,078 as of Aug 30, 2026. The likely range is $154,611 to $175,545. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 405 W Commerce St, Loretto, TN last sell?

405 W Commerce St, Loretto, TN last sold on Mar 11, 2022 for $147,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 405 W Commerce St, Loretto, TN?

405 W Commerce St, Loretto, TN has 1 bathrooms and 1,236 square feet of living space.

When was 405 W Commerce St, Loretto, TN built?

405 W Commerce St, Loretto, TN was built in 1945, making it 81 years old. The building has 2 stories.

What schools serve 405 W Commerce St, Loretto, TN?

405 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 405 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 31% of them ($165,078 against a typical $223,982), its price per square foot is higher than 42% of them ($134 against a typical $143), it is bigger than 28% of them (1,236 ft² against a typical 1,508 ft²), its lot is bigger than 24% of them (0.69 ac against a typical 1.7 ac) and it is newer than 14% of them (1945 against a typical 1979). Measured against all of Lawrence County, it is worth more than 29% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

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