1649 Central Ave, Memphis, TN 38104 Property Records

Shelby County property record for 1649 Central Ave, Memphis, TN 38104

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,942 sqft · built 1910
Lot Size	0.611 acres (26,615 sqft)
Owner	2 Individual Names on File
Last Sale	$1,120,000 (Sep 2025)
Tax Bill	$7,381 (2025)
Deeds & Mortgages	Sep 2025 Sale Jan 2024 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`03-0005-0-0020`

Property Details

APN / Parcel Number

Primary APN	`03-0005-0-0020`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	5,942 sqft Living Area
1st Floor Area	2,043 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1991
Architectural Style	Old Style
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,615 sqft (0.611 acres)
Lot Dimensions	280 ft deep x 95 ft wide
Garage Type	Detached
Garage Area	672 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	286 sqft
Deck Area	840 sqft
Patio Area	140 sqft
Shed	1 Shed
Shed Area	382 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	1649 CENTRAL AVE
City	MEMPHIS
State	TN
Zip	38104-5063
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	SS CENTRAL AVE 101.25 W OF ROZELLE ST
Legal Subdivision	REISMAN CENTRAL AVE
Legal Lot Number	2
Jurisdiction	SHELBY TN
Township / Civil Division	13
Census Block Group	1
Census Block	1007
Census Tract	3500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Gardens Historic District (Additional Documentation) listed 1982 · 2,222 contributing resources · NRIS 82004040

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1649 Central Ave is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1649 CENTRAL AVE, MEMPHIS, TN 38104-5063
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 17, 2025	Warranty Deed, Transfer
Jan 5, 2024	Warranty Deed, Transfer · Conventional Mortgage SIMMONS BANK
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 8, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Mar 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BK
Mar 26, 2019	Deed of Trust, Mortgage · Line of Credit PINNACLE BK
May 16, 2018	Warranty Deed, Transfer PINNACLE BK/SIOUX CTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2025 · Amount on File
Deed Sale	Sep 17, 2025 · Amount on File
Prior Sale	Jan 5, 2024 · Amount on File
Deed Document Number	202580500
Prior Transfer Date	Mar 1, 2007
Prior Transfer Doc	0000078139
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Sep 17, 2025
Property Address	1649 CENTRAL AVE, MEMPHIS, TN 38104-5063
Document Number	0025080500
Map Reference	MB 74 PG 21
Instrument Date	Sep 15, 2025
Instrument	25080500
Transaction Type	Transfer
Record Updated	Sep 24, 2025

Transaction

Amount	Amount on Record
Tax	$4,144.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1649 CENTRAL AVE, MEMPHIS, TN 38104-5063

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Jan 5, 2024
Property Address	1649 CENTRAL AVE, MEMPHIS, TN 38104-5063
Document Number	0024001184
Map Reference	MB 74 PG 21
Instrument Date	Dec 21, 2023
Instrument	24001184
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1649 CENTRAL AVE, MEMPHIS, TN 38104-5063

Mortgage

Document Number	0024001185
Date	Jan 5, 2024
Instrument	24001185

Lender

Name	SIMMONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	1649 CENTRAL AVE, MEMPHIS, TN 38104-5063
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021119791
Date	Sep 24, 2021
Instrument	21119791

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2031

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	1649 CENTRAL AVE, MEMPHIS, TN 38104-5063
Transaction Type	Mortgage
Record Updated	Jun 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020136495
Date	Dec 8, 2020
Instrument	20136495

Lender

Name	TRUIST BANK
Type	Bank
Address	NASHVILLE, TN 37219

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	1649 CENTRAL AVE, MEMPHIS, TN 38104-5063
Document Number	0000034973
Instrument Date	Mar 14, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1649 CENTRAL AVE MEMPHIS TN 381045063, MEMPHIS, TN 38104-5063

Mortgage

Document Number	0000034973
Date	Apr 6, 2020
Instrument	34973

Lender

Name	PINNACLE BK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 5, 2030

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	1649 CENTRAL AVE, MEMPHIS, TN 38104-5063
Document Number	0000034261
Instrument Date	Mar 26, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1649 CENTRAL AVE MEMPHIS TN 381045063, MEMPHIS, TN 38104-5063

Mortgage

Document Number	0000034261
Date	Apr 9, 2019
Instrument	34261

Lender

Name	PINNACLE BK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 8, 2039

Interest

Rate Type	Adjustable Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	May 16, 2018
Property Address	1649 CENTRAL AVE, MEMPHIS, TN 38104-5063
Document Number	0000047880
Instrument Date	May 7, 2018
Instrument	47880
Transaction Type	Transfer
Record Updated	May 31, 2018
Title Company	REALTY TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,682.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1649 CENTRAL AVE MEMPHIS TN 381045063, MEMPHIS, TN 38104-5063

Mortgage

Document Number	47881
Date	May 16, 2018
Instrument	47881

Lender

Name	PINNACLE BK/SIOUX CTY
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 15, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 1649 Central Ave was $7,381, down 59.2% from the year before.

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	$7,381.00 (-59.15%)	$274,400 Land $46,650 Building $227,750	$1,097,600 Land $186,600 Building $911,000
2024	$18,070.00
2023		$223,675 Land $47,075 Building $176,600
2022	$13,625.00
2021			$894,700 Land $188,300 Building $706,400

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 1649 Central Ave 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
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

Wildfire risk around 1649 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 99.8% of the US · lower than 99.8% 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 560 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Nearby Properties on Central Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures