166 River Lights Ln, Memphis, TN 38103 Property Records

Shelby County property record for 166 River Lights Ln, Memphis, TN 38103

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2.5 ba · 2,176 sqft · built 2002
Lot Size	0.073 acres (3,183 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Apr 2021)
Tax Bill	$3,042 (2025)
Deeds & Mortgages	May 2022 Line of Credit Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00-1001-N0-0036`

Property Details

APN / Parcel Number

Primary APN	`00-1001-N0-0036`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,176 sqft Living Area
Gross Area	2,616 sqft
1st Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Traditional
Construction Type	Frame
Lot Area	3,183 sqft (0.073 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	166 RIVER LIGHTS LN
City	MEMPHIS
State	TN
Zip	38103-8930
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	CMU-3
Legal Description	NS RIVER LIGHTS LN SEE MAP PG 113K
Legal Subdivision	HARBOR TOWN PD PH 20
Legal Lot Number	425
Jurisdiction	SHELBY TN
Township / Civil Division	8
Census Block Group	3
Census Block	3007
Census Tract	100

Owner

166 River Lights Ln, a planned unit development, is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	166 RIVER LIGHTS LN, MEMPHIS, TN 38103-8930
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.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF BARTLETT
Apr 7, 2021	Warranty Deed, Transfer · Conventional Mortgage EVOLVE BANK & TRUST
May 12, 2017	Deed of Trust, Mortgage · Line of Credit FINANCIAL FED'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2021 · Amount on File
Deed Sale	Apr 7, 2021 · Amount on File
Prior Sale	May 24, 2007 · Amount on File
Deed Document Number	202139287
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	166 RIVER LIGHTS LN, MEMPHIS, TN 38103-8930
Transaction Type	Mortgage
Record Updated	May 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 RIVER LIGHTS LN, MEMPHIS, TN 38103-8930

Mortgage

Document Number	0022050013
Date	May 3, 2022
Instrument	22050013

Lender

Name	BANK OF BARTLETT
Type	Bank
Address	MEMPHIS, TN 38134

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Apr 21, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Apr 7, 2021
Property Address	166 RIVER LIGHTS LN, MEMPHIS, TN 38103-8930
Document Number	0021039287
Map Reference	MB 197 G 69
Instrument Date	Apr 1, 2021
Instrument	21039287
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	MID SOUTH TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,572.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 RIVER LIGHTS LN, MEMPHIS, TN 38103-8930

Mortgage

Document Number	0021039288
Date	Apr 7, 2021
Instrument	21039288

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	166 RIVER LIGHTS LN, MEMPHIS, TN 38103-8930
Document Number	0000051484
Instrument Date	May 12, 2017
Transaction Type	Mortgage
Record Updated	Jun 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	166 RIVER LIGHTS LN MEMPHIS TN 381038930, MEMPHIS, TN 38103-8930

Mortgage

Document Number	0000051484
Date	May 23, 2017
Instrument	51484

Lender

Name	FINANCIAL FED'L BK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 22, 2022

Interest

Rate Type	Adjustable Rate
Rate	4.56%

Tax Assessment & Valuation

The 2025 property tax bill for 166 River Lights Ln was $3,042.

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	$3,042.00	$113,100 Land $22,075 Building $91,025	$452,400 Land $88,300 Building $364,100
2023		$108,300 Land $15,525 Building $92,775
2022	$6,597.00
2021			$433,200 Land $62,100 Building $371,100

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 166 River Lights Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 51 policies
Nearby Flood Policies	51 in force
Nearby Flood Claims	15 (2002–2025)
Claims Outside the SFHA	4 of 15
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Apr 2025 · 14 claims

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 166 River Lights Ln 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 99.1% 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 654 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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