1237 Cummings St, Memphis, TN 38106 Property Records

Shelby County property record for 1237 Cummings St, Memphis, TN 38106

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,107 sqft · built 1920
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$8,000 (Jan 2024)
Tax Bill	$242 (2025)
Deeds & Mortgages	Jan 2024 Sale Sep 2023 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-6020-0-0020`

Property Details

APN / Parcel Number

Primary APN	`02-6020-0-0020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,107 sqft Living Area
1st Floor Area	1,107 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cottage
Exterior Material	Other
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	144 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1237 CUMMINGS ST
City	MEMPHIS
State	TN
Zip	38106-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	WS CUMMINGS
Legal Subdivision	MASON
Legal Lot Number	PT9
Jurisdiction	SHELBY TN
Township / Civil Division	8
Census Block Group	3
Census Block	3007
Census Tract	11500

Owner

Source: Shelby County records, as of October 19, 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	5289 GRAPEWOOD CV, MEMPHIS, TN 38134-5308
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2024	Special Warranty Deed, Transfer
Sep 26, 2023	Trustee's Deed, Foreclosure
Dec 19, 2007	Deed of Trust, Mortgage URBAN FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2024 · Amount on Record
Deed Sale	Jan 5, 2024 · Amount on Record
Prior Sale	Sep 26, 2023 · Amount on Record
Deed Document Number	20241327
Prior Transfer Date	Sep 13, 2023
Prior Transfer Doc	0000081519
Record Updated	Oct 29, 2026

January 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Jan 5, 2024
Property Address	1237 CUMMINGS ST, MEMPHIS, TN 38106-3409
Document Number	0024001327
Map Reference	MB 2 PG 123
Instrument Date	Nov 28, 2023
Instrument	24001327
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Amount	Amount Recorded
Tax	$29.60
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5289 GRAPEWOOD CV, MEMPHIS, TN 38134-5308

September 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SHELBY TN
Recording Date	Sep 26, 2023
Property Address	1237 CUMMINGS ST, MEMPHIS, TN 38106-3409
Document Number	0023081519
Map Reference	MB 2 PG 123
Instrument Date	Sep 13, 2023
Instrument	23081519
Transaction Type	Foreclosure
Record Updated	Oct 4, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1661 WORTHINGTON RD STE 100, 100, WEST PALM BEACH, FL 33409-6493
Mail Care Of	PHH MORTGAGE CORPORATION

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	1237 CUMMINGS ST, MEMPHIS, TN 38106-3409
Document Number	0000018035
Instrument Date	Dec 19, 2007
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1237 CUMMINGS ST MEMPHIS TN 381063409, MEMPHIS, TN 38106-3409

Mortgage

Document Number	0000018035
Date	Feb 19, 2020
Instrument	18035

Lender

Name	URBAN FIN'L
Type	Funding / Finance Company
Address	TULSA, OK 74137

Agreement

Amount	Amount Recorded
Term	768 Months
Due	Feb 18, 2084

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$242.00 (+38.29%)	$9,025 (+213.91%) Land $1,650 Building $7,375	$36,100 (+213.91%) Land $6,600 Building $29,500
2023		$2,875 Land $875 Building $2,000
2022	$175.00
2021			$11,500 Land $3,500 Building $8,000

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

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	1 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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