10950 Monterey Rd, Eads, TN 38028 Property Records

Shelby County property record for 10950 Monterey Rd, Eads, TN 38028

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,932 sqft · built 1979
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$273,500 (Mar 2018)
Tax Bill	$2,696 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D0-222-0-0123`

Property Details

APN / Parcel Number

Primary APN	`D0-222-0-0123`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,932 sqft Living Area
Gross Area	3,372 sqft
1st Floor Area	1,252 sqft
Utility Area	66 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Traditional
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	174,240 sqft
Lot Dimensions	650 ft deep x 691 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10950 MONTEREY RD
City	EADS
State	TN
Zip	38028-7920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CA
Legal Description	WS MONTEREY RD
Legal Subdivision	GLYNWOOD LAKE 3RD ADDN
Legal Lot Number	4
Jurisdiction	SHELBY TN
Township / Civil Division	2
Census Block Group	1
Census Block	1021
Census Tract	21020

Owner

10950 Monterey Rd is owned and occupied by two individuals who bought it in March 2018.

Source: Shelby County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10950 MONTEREY RD, EADS, TN 38028-7920
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage PATRIOT BK
Mar 19, 2018	Warranty Deed, Transfer · Conventional with PMI PATRIOT BK/S TIPTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2018 · Amount on File
Deed Sale	Mar 19, 2018 · Amount on File
Prior Sale	May 22, 2008 · Amount on File
Deed Document Number	201825731
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	10950 MONTEREY RD, EADS, TN 38028-7920
Document Number	0020122335
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Nov 13, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10950 MONTEREY RD EADS TN 380287920, EADS, TN 38028-7920

Mortgage

Document Number	0020122335
Date	Nov 4, 2020
Instrument	20122335

Lender

Name	PATRIOT BK
Type	Bank
Address	MILLINGTON, TN 38053

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 3, 2040

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Mar 19, 2018
Property Address	10950 MONTEREY RD, EADS, TN 38028-7920
Document Number	0000025731
Instrument Date	Mar 15, 2018
Instrument	25731
Transaction Type	Transfer
Record Updated	Mar 28, 2018
Title Company	EDCO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,011.95
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10950 MONTEREY RD EADS TN 380287920, EADS, TN 38028-7920

Mortgage

Document Number	25732
Date	Mar 19, 2018
Instrument	25732

Lender

Name	PATRIOT BK/S TIPTON
Type	Bank
Address	MILLINGTON, TN 38053

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10950 Monterey Rd was $2,696.

Source: Shelby County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Shelby County
Unified School District	Shelby County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,696.00	$100,250 Land $42,075 Building $58,175	$401,000 Land $168,300 Building $232,700
2023		$89,725 Land $39,075 Building $50,650
2022	$3,041.00
2021			$358,900 Land $156,300 Building $202,600

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.

Flood

FEMA maps place 10950 Monterey Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective June 4, 2026 · 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	8 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · tidal / storm surge

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

Wildfire risk around 10950 Monterey Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 67% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MEMPHIS LIGHT, GAS, & WATER serves 659,500 people · EPA ID TN0000450
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

4G LTE only, no 5G reported

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