2897 Emerald St, Memphis, TN 38115 Property Records

Shelby County property record for 2897 Emerald St, Memphis, TN 38115

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,072 sqft · built 1969
Lot Size	0.249 acres (10,825 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Sep 2021)
Tax Bill	$1,132 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-4089-0-0164`

Property Details

APN / Parcel Number

Primary APN	`07-4089-0-0164`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,072 sqft Living Area
1st Floor Area	1,036 sqft
Utility Area	100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,825 sqft (0.249 acres)
Lot Dimensions	124 ft deep x 87 ft wide
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Patio Area	15 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	2897 EMERALD ST
City	MEMPHIS
State	TN
Zip	38115-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Subdivision	FOX MEADOWS
Legal Lot Number	18
Jurisdiction	SHELBY TN
Township / Civil Division	11
Census Block Group	3
Census Block	3001
Census Tract	10720

Owner

2897 Emerald St is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2897 EMERALD ST, MEMPHIS, TN 38115-2303
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2021 · Amount on File
Deed Sale	Sep 29, 2021 · Amount on File
Prior Sale	Mar 21, 2011 · Amount on File
Deed Document Number	2021121628
Prior Transfer Date	Jan 30, 2006
Prior Transfer Doc	0000038390
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Sep 29, 2021
Property Address	2897 EMERALD ST, MEMPHIS, TN 38115-2303
Document Number	0021121628
Map Reference	MB 36 PG 32
Instrument Date	Sep 1, 2021
Instrument	21121628
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	PREFERRED TITLE, PREFERRED TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2897 EMERALD ST, MEMPHIS, TN 38115-2303

Mortgage

Document Number	0021121629
Date	Sep 29, 2021
Instrument	21121629

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

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

Mortgage

Document Number	0021121630
Date	Sep 29, 2021
Instrument	21121630

Lender

Name	SHELBY COUNTY
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2897 Emerald St was $1,132.

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	$1,132.00	$42,100 Land $5,750 Building $36,350	$168,400 Land $23,000 Building $145,400
2023		$35,950 Land $5,000 Building $30,950
2022	$2,189.00
2021			$143,800 Land $20,000 Building $123,800

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 2897 Emerald St in Zone X, an area of minimal flood risk.

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

The area around 2897 Emerald St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 229 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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