Shelby County property record for 1245 Central Ave, Memphis, TN 38104
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,329 sqft · built 1912 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $349,900 (Apr 2022) |
| Tax Bill | $2,269 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Oct 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-5012-0-0004 |
| Primary APN | 01-5012-0-0004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,329 sqft Living Area |
| 1st Floor Area | 1,227 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Old Style |
| Exterior Material | Stone |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 250 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 1245 CENTRAL AVE |
|---|---|
| City | MEMPHIS |
| State | TN |
| Zip | 38104-4708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-6 |
| Legal Description | SS CENTRAL |
| Legal Subdivision | SNOWDEN HOMESTEAD |
| Legal Lot Number | 30 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 8 |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 3500 |
1245 Central Ave is owned and occupied by two individuals who bought it in April 2022.
Source: Shelby County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1245 CENTRAL AVE, MEMPHIS, TN 38104-4708 |
| 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.
| Date | Document |
|---|---|
| Sep 18, 2025 | Deed of Trust, Mortgage · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Oct 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage TRUSTMARK NATIONAL BANK |
| Apr 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| May 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2022 · Amount on File |
| Deed Sale | Apr 25, 2022 · Amount on File |
| Prior Sale | Nov 6, 2012 · Amount on File |
| Deed Document Number | 202246045 |
| Prior Transfer Date | Jun 10, 2010 |
| Prior Transfer Doc | 0000061302 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 1245 CENTRAL AVE, MEMPHIS, TN 38104-4708 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1245 CENTRAL AVE, MEMPHIS, TN 38104-4708 |
| Document Number | 0025081073 |
|---|---|
| Date | Sep 18, 2025 |
| Instrument | 25081073 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 320 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 1245 CENTRAL AVE, MEMPHIS, TN 38104-4708 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1245 CENTRAL AVE, MEMPHIS, TN 38104-4708 |
| Document Number | 0023090296 |
|---|---|
| Date | Oct 20, 2023 |
| Instrument | 23090296 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | PEARL, MS 39208 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 343 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Apr 25, 2022 |
| Property Address | 1245 CENTRAL AVE, MEMPHIS, TN 38104-4708 |
| Document Number | 0022046045 |
| Map Reference | MB 7 PG 30 |
| Instrument Date | Apr 11, 2022 |
| Instrument | 22046045 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Title Company | REGENCY TITLE AND ESCROW LLC, REGENCY TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,294.63 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1245 CENTRAL AVE, MEMPHIS, TN 38104-4708 |
| Document Number | 0022046046 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 22046046 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 1245 CENTRAL AVE, MEMPHIS, TN 38104-4708 |
| Document Number | 0000057725 |
| Instrument Date | May 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1245 CENTRAL AVE MEMPHIS TN 381044708, MEMPHIS, TN 38104-4708 |
| Document Number | 0000057725 |
|---|---|
| Date | Jun 12, 2018 |
| Instrument | 57725 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | NASHVILLE, TN 37219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1245 Central Ave was $2,269.
Source: Shelby County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Shelby County |
| Municipality | Memphis City |
| Unified School District | Shelby County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,269.00 | $84,375 Land $15,000 Building $69,375 | $337,500 Land $60,000 Building $277,500 |
| 2023 | $60,525 Land $8,700 Building $51,825 | ||
| 2022 | $3,686.00 | ||
| 2021 | $242,100 Land $34,800 Building $207,300 |
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.
FEMA maps place 1245 Central Ave in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1978.
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 |
| Nearby Flood Claims | 11 (1978–2025) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
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 risk around 1245 Central Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.5% 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.
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 236 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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