2377 Windcliff Dr, Eads, TN 38028 Property Records

Shelby County property record for 2377 Windcliff Dr, Eads, TN 38028

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 6,035 sqft · built 2004
Lot Size	2.16 acres (94,090 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jul 2020)
Tax Bill	$5,585 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D0-210R-B0-0008`

Property Details

APN / Parcel Number

Primary APN	`D0-210R-B0-0008`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	6,035 sqft Living Area
Gross Area	6,883 sqft
1st Floor Area	3,764 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Traditional
Exterior Material	Brick Veneer
Lot Area	94,090 sqft
Garage Type	Attached
Garage Area	848 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	665 sqft
Porch	Open Porch
Porch Area	237 sqft
Patio Area	996 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2377 WINDCLIFF DR
City	EADS
State	TN
Zip	38028-7989
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CA
Legal Description	WS WIND CLIFF DR SEE MAP 121H
Legal Subdivision	FOURWIND ESTATES PHASE 3
Legal Lot Number	26
Jurisdiction	SHELBY TN
Township / Civil Division	2
Census Block Group	2
Census Block	2014
Census Tract	21023

Owner

2377 Windcliff Dr is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2377 WINDCLIFF DR, EADS, TN 38028-7989
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
Nov 20, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Nov 10, 2020	Deed of Trust, Mortgage · Conventional with PMI NAVY FCU
Jul 14, 2020	Warranty Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on File
Deed Sale	Jul 14, 2020 · Amount on File
Prior Sale	Feb 10, 2010 · Amount on File
Deed Document Number	202072620
Prior Transfer Date	Mar 18, 2016
Prior Transfer Doc	0000027280
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	2377 WINDCLIFF DR, EADS, TN 38028-7989
Transaction Type	Mortgage
Record Updated	Nov 27, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2377 WINDCLIFF DR, EADS, TN 38028-7989

Mortgage

Document Number	0023099442
Date	Nov 20, 2023
Instrument	23099442

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 6, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	2377 WINDCLIFF DR, EADS, TN 38028-7989
Document Number	0020136192
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2377 WINDCLIFF DR EADS TN 380287989, EADS, TN 38028-7989

Mortgage

Document Number	0020136192
Date	Dec 8, 2020
Instrument	20136192

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Dec 7, 2035

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Jul 14, 2020
Property Address	2377 WINDCLIFF DR, EADS, TN 38028-7989
Document Number	0000072620
Instrument Date	May 27, 2020
Instrument	72620
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	PREFERRED TITLE, PREFERRED TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,795.00
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	2377 WINDCLIFF DR EADS TN 380287989, EADS, TN 38028-7989

Mortgage

Document Number	72621
Date	Jul 14, 2020
Instrument	72621

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2377 Windcliff Dr was $5,585.

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	$5,585.00	$207,625 Land $22,800 Building $184,825	$830,500 Land $91,200 Building $739,300
2023		$151,275 Land $18,550 Building $132,725
2022	$5,128.00
2021			$605,100 Land $74,200 Building $530,900

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 2377 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 2377 Windcliff Dr is moderate, ranking above 50% 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 50% of the US · above 67% of Tennessee
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
AT&T DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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