Shelby County property record for 10970 Monterey Rd, Eads, TN 38028
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 5,048 sqft · built 1980 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $525,000 (Oct 2021) |
| Tax Bill | $4,959 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D0-222-0-0234 |
| Primary APN | D0-222-0-0234 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 5,048 sqft Living Area |
| 1st Floor Area | 2,260 sqft |
| Utility Area | 72 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 174,240 sqft |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 276 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 10970 MONTEREY RD |
|---|---|
| City | EADS |
| State | TN |
| Zip | 38028-7920 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CA |
| Legal Description | NS MONTEREY RD |
| Legal Subdivision | TOM FLETCHER ESTATE |
| Legal Lot Number | 4 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 21020 |
Source: Shelby County records, as of June 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10970 MONTEREY RD, EADS, TN 38028-7920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2021 · Amount on Record |
| Deed Sale | Oct 21, 2021 · Amount on Record |
| Deed Document Number | 2021132804 |
| Prior Transfer Date | May 19, 2015 |
| Prior Transfer Doc | 0000053508 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Oct 21, 2021 |
| Property Address | 10970 MONTEREY RD, EADS, TN 38028-7920 |
| Document Number | 0021132804 |
| Instrument Date | Oct 18, 2021 |
| Instrument | 21132804 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2021 |
| Title Company | ALTA TITLE AND ESCROW, REALTY TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,942.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10970 MONTEREY RD, EADS, TN 38028-7920 |
| Document Number | 0021132805 |
|---|---|
| Date | Oct 21, 2021 |
| Instrument | 21132805 |
| Name | INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
Source: Shelby County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Shelby County |
| Unified School District | Shelby County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,959.00 (+27.02%) | $184,350 (+60.06%) Land $42,075 Building $142,275 | $737,400 (+60.06%) Land $168,300 Building $569,100 |
| 2023 | $115,175 Land $39,075 Building $76,100 | ||
| 2022 | $3,904.00 | ||
| 2021 | $460,700 Land $156,300 Building $304,400 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 68% 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.
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 |
| 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.
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 |
4G LTE (outdoors only), no 5G reported
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