2004 Windcliff Dr, Eads, TN 38028 Property Records

Shelby County property record for 2004 Windcliff Dr, Eads, TN 38028

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,438 sqft · built 2018
Lot Size	2.21 acres (96,268 sqft)
Owner	2 Trust Names on File
Last Sale	$475,000 (Oct 2020)
Tax Bill	$3,650 (2025)
Deeds & Mortgages	Sep 2026 Sale Oct 2020 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`D0-210H-A0-0033`

Property Details

APN / Parcel Number

Primary APN	`D0-210H-A0-0033`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,438 sqft Living Area
Gross Area	4,174 sqft
1st Floor Area	2,476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Traditional
Exterior Material	Brick Veneer
Lot Area	96,268 sqft (2.21 acres)
Garage Type	Attached
Garage Area	736 sqft
Porch	Slab
Porch Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2004 WINDCLIFF DR
City	EADS
State	TN
Zip	38028-7053
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CA
Legal Description	ES WIND CLIFF DR SEE MAP 121-I,J,O,P
Legal Subdivision	LAKES OF CORDOVA
Legal Lot Number	33
Jurisdiction	SHELBY TN
Township / Civil Division	2
Census Block Group	2
Census Block	2015
Census Tract	21023

Owner

2004 Windcliff Dr is held in a trust since October 2020.

Source: Shelby County records, as of September 22, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2004 WINDCLIFF DR, EADS, TN 38028-7053
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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 10, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 13, 2020	Warranty Deed, Subdivision Related Transfer · Conventional with PMI WOLFE FIN'L
Apr 27, 2020	Warranty Deed, Transfer · Line of Credit FIRST NAT'L BK
Jun 19, 2019	Warranty Deed, Subdivision Related Transfer · Conventional with PMI AUSTIN CAP BK SSB
Feb 5, 2019	Loan Modification, Mortgage FIRST NAT'L BK
Aug 9, 2018	Loan Modification, Mortgage FIRST NAT'L BK
May 31, 2018	Loan Modification, Mortgage · Conventional Mortgage FIRST NAT'L BK
Dec 1, 2017	Loan Modification, Mortgage
Jul 21, 2017	Warranty Deed, Construction Loan · Construction Mortgage FIRST NAT'L BK/ESTRN AR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Prior Sale	Apr 27, 2020 · Amount on File
Deed Document Number	2020111849
Prior Transfer Date	Aug 30, 2010
Prior Transfer Doc	0000090514
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Sep 10, 2026
Property Address	2004 WINDCLIFF DR, EADS, TN 38028-7053
Document Number	0000078668
Instrument Date	Sep 9, 2026
Instrument	202678668
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2004 WINDCLIFF DR, EADS, TN 38028-7053

October 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Oct 13, 2020
Property Address	2004 WINDCLIFF DR, EADS, TN 38028-7053
Document Number	0000111849
Instrument Date	Sep 3, 2020
Instrument	111849
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 21, 2020
Title Company	EXECUTIVE TITLE AND CLOSING INC, EXECUTIVE TITLE & CLOSING INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,758.00
Amount Accuracy	Confirmed
Additional	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	2004 WINDCLIFF DR EADS TN 380287053, EADS, TN 38028-7053

Mortgage

Document Number	111850
Date	Oct 13, 2020
Instrument	111850

Lender

Name	WOLFE FIN'L
Type	Funding / Finance Company
Address	ASHEBORO, NC 27203

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Apr 27, 2020
Property Address	2004 WINDCLIFF DR, EADS, TN 38028-7053
Document Number	0000042212
Instrument Date	Apr 23, 2020
Instrument	42212
Transaction Type	Transfer
Record Updated	May 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,637.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5851 RIDGE BEND RD MEMPHIS TN 381209412, MEMPHIS, TN 38120-9412

Mortgage

Document Number	42213
Date	Apr 27, 2020
Instrument	42213

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Jun 19, 2019
Property Address	2004 WINDCLIFF DR, EADS, TN 38028-7053
Document Number	0000059823
Instrument Date	Jun 14, 2019
Instrument	59823
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,665.00
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	2004 WINDCLIFF DR EADS TN 380287053, EADS, TN 38028-7053

Mortgage

Document Number	59824
Date	Jun 19, 2019
Instrument	59824

Lender

Name	AUSTIN CAP BK SSB
Address	AUSTIN, TX 78757

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHELBY TN
Property Address	2004 WINDCLIFF DR, EADS, TN 38028-7053
Document Number	0000039439
Instrument Date	Feb 5, 2019
Transaction Type	Mortgage
Record Updated	May 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 772808 MEMPHIS TN 381772808, MEMPHIS, TN 38177-2808

Mortgage

Document Number	0000039439
Date	Apr 23, 2019
Instrument	39439

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Amount	Amount on Record

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHELBY TN
Property Address	2004 WINDCLIFF DR, EADS, TN 38028-7053
Document Number	0000085963
Instrument Date	Aug 9, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 772808 MEMPHIS TN 381772808, MEMPHIS, TN 38177-2808

Mortgage

Document Number	0000085963
Date	Aug 23, 2018
Instrument	85963

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Amount	Amount on Record

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHELBY TN
Property Address	2004 WINDCLIFF DR, EADS, TN 38028-7053
Document Number	0000059847
Instrument Date	May 31, 2018
Transaction Type	Mortgage
Record Updated	Jul 12, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000059847
Date	Jun 18, 2018
Instrument	59847

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHELBY TN
Property Address	2004 WINDCLIFF DR, EADS, TN 38028-7053
Document Number	0000129142
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 772808 MEMPHIS TN 381772808, MEMPHIS, TN 38177-2808

July 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Jul 21, 2017
Property Address	2004 WINDCLIFF DR, EADS, TN 38028-7053
Document Number	0000074332
Instrument Date	Jul 20, 2017
Instrument	74332
Transaction Type	Construction Loan
Record Updated	Aug 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$166.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5240 POPLAR AVE #300 MEMPHIS TN 381193552, 300, MEMPHIS, TN 38119-3552
Investor	Possibly a Property Investor

Mortgage

Document Number	74333
Date	Jul 21, 2017
Instrument	74333

Lender

Name	FIRST NAT'L BK/ESTRN AR
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2004 Windcliff Dr was $3,650.

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	$3,650.00	$151,675 Land $24,075 Building $127,600	$606,700 Land $96,300 Building $510,400
2023		$117,825 Land $18,250 Building $99,575
2022	$3,994.00
2021			$471,300 Land $73,000 Building $398,300

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.

Flood

FEMA maps place 2004 Windcliff Dr 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	6 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 2004 Windcliff Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 65% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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