2196 S 3rd St, Memphis, TN 38109 Property Records

Shelby County property record for 2196 S 3rd St, Memphis, TN 38109

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3,800 sqft · built 2004
Lot Size	0.433 acres (18,843 sqft)
Owner	Company Name on Record
Last Sale	$1,800,000 (Nov 2025)
Tax Bill	$4,937 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-0087-0-0001`

Property Details

APN / Parcel Number

Primary APN	`05-0087-0-0001`

Interior

Stories	1 Story
Building Area	3,800 sqft Gross Area
1st Floor Area	3,800 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Frame
Fire Resistance	Fireproof Reinforced Concrete
Lot Area	18,843 sqft (0.433 acres)
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2196 S 3RD ST
City	MEMPHIS
State	TN
Zip	38109-7710
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CMU-3
Legal Description	11&12&13&PT OLD RAYBURN ST & PT ALLEY WS THIRD COR GAGE SE
Legal Subdivision	WEST SIDE
Legal Block	12
Legal Lot Number	PT10&
Jurisdiction	SHELBY TN
Township / Civil Division	8
Census Block Group	3
Census Block	3025
Census Tract	5500

Owner

Source: Shelby County records, as of August 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2196 S 3RD ST, MEMPHIS, TN 38109-7710
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Special Warranty Deed, Transfer INDEPENDENT BANK
Jul 28, 2017	Deed of Trust, Mortgage WILLOUGHBY INC
Jul 28, 2017	Deed of Trust, Mortgage WILLOUGHBY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2025 · Amount on Record
Deed Sale	Nov 6, 2025 · Amount on Record
Prior Sale	Jul 9, 2004 · Amount on Record
Deed Document Number	202596277
Record Updated	Oct 29, 2026

November 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Nov 6, 2025
Property Address	2196 S 3RD ST, MEMPHIS, TN 38109-7710
Document Number	0025096277
Map Reference	MB 10 PG 9
Instrument Date	Oct 22, 2025
Instrument	25096277
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2196 S 3RD ST, MEMPHIS, TN 38109-7710

Mortgage

Document Number	0025096278
Date	Nov 6, 2025
Instrument	25096278

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	59 Months
Due	Oct 22, 2030

Mortgage

Document Number	0025096279
Date	Nov 6, 2025
Instrument	25096279

Lender

Name	BERUK PROPERTIES INC
Type	Non-Lending Institution
Address	MEMPHIS, TN 38125

Agreement

Amount	Amount Recorded
Term	14 Months
Due	Jan 1, 2027

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	2196 S 3RD ST, MEMPHIS, TN 38109-7710
Document Number	0000085096
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Sep 1, 2017
Title Company	COVENANT TITLE, COVENANT ESCROW SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2196 S 3RD ST

Mortgage

Document Number	0000085096
Date	Aug 18, 2017
Instrument	85096

Lender

Name	WILLOUGHBY INC

Agreement

Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	2196 S 3RD ST, MEMPHIS, TN 38109-7710
Document Number	0000085097
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	COVENANT TITLE, COVENANT ESCROW SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2196 S 3RD ST

Mortgage

Document Number	0000085097
Date	Aug 18, 2017
Instrument	85097

Lender

Name	WILLOUGHBY INC

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,937.00 (-59.16%)	$183,560 (+36.66%) Land $18,480 Building $165,080	$458,900 (+36.66%) Land $46,200 Building $412,700
2024	$12,088.00 (+47.74%)
2023		$134,320 Land $18,440 Building $115,880
2022	$8,182.00
2021			$335,800 Land $46,100 Building $289,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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 289 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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