Shelby County property record for 2589 Howard Rd, Germantown, TN 38138
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,633 sqft · built 1935 |
| Lot Size | 0.842 acres (36,660 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $6,111 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | G0-230K-A0-0001 |
| Primary APN | G0-230K-A0-0001 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 4,633 sqft Living Area |
| Gross Area | 4,933 sqft |
| 1st Floor Area | 4,633 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Traditional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 36,660 sqft (0.842 acres) |
| Lot Dimensions | 195 ft deep x 188 ft wide |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,032 sqft |
| Deck Area | 132 sqft |
| Patio Area | 1,192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 2589 HOWARD RD |
|---|---|
| City | GERMANTOWN |
| State | TN |
| Zip | 38138-5738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | WS HOWARD RD 245 FT N OF STOUT RD |
| Legal Subdivision | HOWARDS |
| Legal Lot Number | 1 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 21430 |
2589 Howard Rd is owner-occupied and held in a trust since August 2024.
Source: Shelby County records, as of June 2, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2589 HOWARD RD, GERMANTOWN, TN 38138-5738 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 8, 2024 |
| Transfer Doc | 0000068444 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 2589 HOWARD RD, GERMANTOWN, TN 38138-5738 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003994 |
|---|---|
| Date | Jan 12, 2021 |
| Instrument | 21003994 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
Source: Shelby County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Shelby County |
| Municipality | Germantown City |
| Unified School District | Germantown Municipal School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,111.00 (-45.45%) | $227,175 (+2.67%) Land $17,875 Building $209,300 | $908,700 (+2.67%) Land $71,500 Building $837,200 |
| 2023 | $221,275 Land $9,525 Building $211,750 | ||
| 2022 | $11,203.00 | ||
| 2021 | $885,100 Land $38,100 Building $847,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2589 Howard Rd 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 35 policies |
| Nearby Flood Policies | 35 in force |
| Nearby Flood Claims | 8 (1978–2011) |
| Claims Outside the SFHA | 5 of 8 |
| Most Recent Claim | Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding |
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 risk around 2589 Howard Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GERMANTOWN WATER DEPT serves 37,738 people · EPA ID TN0000262 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Copper | 1.5 mg/L (2019) action level 1.3 mg/L |
| 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.
Source: FCC Broadband Data Collection, based on 232 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.
5G (outdoors only) and 4G LTE
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