11830 Monterey Rd, Eads, TN 38028 Property Records

Shelby County property record for 11830 Monterey Rd, Eads, TN 38028

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,875 sqft · built 1991
Lot Size	7.6 acres (331,230 sqft)
Owner	Individual Name on File
Last Sale	$925,000 (Aug 2024)
Tax Bill	$6,072 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`D0-222-0-0099`

Property Details

APN / Parcel Number

Primary APN	`D0-222-0-0099`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,875 sqft Living Area
Gross Area	3,672 sqft
1st Floor Area	1,595 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2017
Architectural Style	Traditional
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	331,230 sqft
Lot Dimensions	648 ft deep x 277 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	497 sqft
Deck Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	11830 MONTEREY RD
City	EADS
State	TN
Zip	38028-7933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CA
Legal Description	NS MONTEREY RD
Jurisdiction	SHELBY TN
Township / Civil Division	2
Census Block Group	3
Census Block	3005
Census Tract	21020

Owner

11830 Monterey Rd is owned and occupied by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	11830 MONTEREY RD, EADS, TN 38028-7933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Feb 22, 2024	Deed of Trust, Mortgage · Commercial Mortgage THE BANK OF FAYETTE COUNTY
Jul 15, 2022	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Jul 6, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BK
Jul 6, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2024 · Amount on File
Deed Sale	Aug 23, 2024 · Amount on File
Prior Sale	Jul 6, 2020 · Amount on File
Deed Document Number	202472895
Prior Transfer Date	Jun 23, 2020
Prior Transfer Doc	0000069203
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	11830 MONTEREY RD, EADS, TN 38028-7933
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	REALITY TITLE, REALTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11830 MONTEREY RD, EADS, TN 38028-7933

Mortgage

Document Number	0024015089
Date	Feb 22, 2024
Instrument	24015089

Lender

Name	THE BANK OF FAYETTE COUNTY
Type	Bank
Address	COLLIERVILLE, TN 38017

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	11830 MONTEREY RD, EADS, TN 38028-7933
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11830 MONTEREY RD, EADS, TN 38028-7933

Mortgage

Document Number	0022078827
Date	Jul 15, 2022
Instrument	22078827

Lender

Name	RENASANT BANK
Type	Bank
Address	OLIVE BRANCH, MS 38654

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jun 25, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Jul 6, 2020
Property Address	11830 MONTEREY RD, EADS, TN 38028-7933
Document Number	0000069204
Instrument Date	Jun 30, 2020
Instrument	69204
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,869.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	11830 MONTEREY ROAD EADS EADS TN 38028, EADS, TN 38028

Mortgage

Document Number	69205
Date	Jul 6, 2020
Instrument	69205

Lender

Name	FIRST HORIZON BK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHELBY TN
Recording Date	Jul 6, 2020
Property Address	11830 MONTEREY RD, EADS, TN 38028-7933
Document Number	0000069203
Instrument Date	Jun 23, 2020
Instrument	69203
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11830 MONTEREY RD EADS TN 380287933, EADS, TN 38028-7933

Tax Assessment & Valuation

The 2025 property tax bill for 11830 Monterey Rd was $6,072.

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	$6,072.00	$225,750 Land $67,350 Building $158,400	$903,000 Land $269,400 Building $633,600
2023		$132,900 Land $62,550 Building $70,350
2022	$4,505.00
2021			$531,600 Land $250,200 Building $281,400

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.

Flood

FEMA maps place 11830 Monterey Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force

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 11830 Monterey Rd is moderate, ranking above 52% 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 52% of the US · above 69% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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