12609 Miss Cloud Rd, Collierville, TN 38017 Property Records

Shelby County property record for 12609 Miss Cloud Rd, Collierville, TN 38017

Property Summary

Property Type	Planned Unit Development
Details	4 bd · 4.5 ba · 4,309 sqft · built 2023
Lot Size	0.315 acres (13,717 sqft)
Owner	2 Individual Names on Record
Last Sale	$870,000 (Oct 2023)
Tax Bill	$5,582 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`D0-223N-F0-0015`

Property Details

APN / Parcel Number

Primary APN	`D0-223N-F0-0015`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,309 sqft Living Area
Gross Area	6,425 sqft
1st Floor Area	2,886 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Traditional
Exterior Material	Brick Veneer
Lot Area	13,717 sqft (0.315 acres)
Garage Type	Attached
Garage Area	799 sqft
Porch	Open Porch
Porch Area	411 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12609 MISS CLOUD RD
City	COLLIERVILLE
State	TN
Zip	38017-5023
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	CA
Legal Description	SEE MAP 148P SS MISS CLOUD ROAD
Legal Subdivision	SPRING CREEK RANCH PD PHASE 11
Legal Lot Number	297
Jurisdiction	SHELBY TN
Township / Civil Division	2
Census Block Group	3
Census Block	3029
Census Tract	21020

Owner

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	12609 MISS CLOUD RD, COLLIERVILLE, TN 38017-5023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
Oct 9, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Jun 23, 2023	Deed of Trust, Mortgage · Construction Mortgage PARAGON BANK
Jun 24, 2022	Warranty Deed, Transfer · Line of Credit PARAGON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2023 · Amount on Record
Deed Sale	Oct 9, 2023 · Amount on Record
Deed Document Number	202385756
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Recording Date	Apr 1, 2026
Property Address	12609 MISS CLOUD RD, COLLIERVILLE, TN 38017-5023
Document Number	0000025306
Instrument Date	Mar 24, 2026
Instrument	202625306
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	EDCO TITLE AND CLOSING SERVICES, EDCO TITLE & CLOSING SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12609 MISS CLOUD RD, COLLIERVILLE, TN 38017-5023

Mortgage

Document Number	0000025306,
Date	Apr 1, 2026
Instrument	202625306

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

October 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Oct 9, 2023
Property Address	12609 MISS CLOUD RD, COLLIERVILLE, TN 38017-5023
Document Number	0023085756
Map Reference	MB 295 PG 16
Instrument Date	Oct 3, 2023
Instrument	23085756
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,219.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12609 MISS CLOUD RD, COLLIERVILLE, TN 38017-5023

Mortgage

Document Number	0023085757
Date	Oct 9, 2023
Instrument	23085757

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	12609 MISS CLOUD RD, COLLIERVILLE, TN 38017-5023
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023052334
Date	Jun 23, 2023
Instrument	23052334

Lender

Name	PARAGON BANK
Type	Bank
Address	MEMPHIS, TN 38101

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Jun 24, 2022
Property Address	12609 MISS CLOUD RD, COLLIERVILLE, TN 38017-5023
Document Number	0022070505
Map Reference	MB 295 PG 16
Instrument Date	Jun 23, 2022
Instrument	22070505
Transaction Type	Transfer
Record Updated	Aug 4, 2023

Transaction

Amount	Amount Recorded
Tax	$442.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8963 BAZEMORE RD #400 # 400, 400, MEMPHIS, TN 38119

Mortgage

Document Number	0022070506
Date	Jun 24, 2022
Instrument	22070506

Lender

Name	PARAGON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Jul 10, 2023

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
Unified School District	Shelby County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,582.00 (+191.49%)	$207,525 (+267.3%) Land $32,250 Building $175,275	$830,100 (+267.3%) Land $129,000 Building $701,100
2023	$1,915.00	$56,500 Land $27,500 Building $29,000
2022	$1,915.00
2021			$226,000 Land $110,000 Building $116,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Cost	Premium on Record 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Aeneas Communications, Verizon.

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