Shelby County property record for 3043 Ruffle Dr, Bartlett, TN 38134
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,754 sqft · built 1975 |
| Lot Size | 0.222 acres (9,680 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $88,720 (Oct 1996) |
| Tax Bill | $1,233 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B0-157W-A0-0047 |
| Primary APN | B0-157W-A0-0047 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,754 sqft Living Area |
| 1st Floor Area | 1,358 sqft |
| Utility Area | 45 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,680 sqft (0.222 acres) |
| Lot Dimensions | 121 ft deep x 80 ft wide |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 55 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 3043 RUFFLE DR |
|---|---|
| City | BARTLETT |
| State | TN |
| Zip | 38134-3829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | NS THIGPEN DR CORNER OF RUFFLE DR NW |
| Legal Subdivision | CARA REV |
| Legal Lot Number | 50 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 20634 |
Source: Shelby County records, as of June 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3043 RUFFLE DR, BARTLETT, TN 38134-3829 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage · Line of Credit MEMPHIS CITY EMPS CREDIT UNION |
| Oct 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 1996 · Amount on Record |
| Deed Sale | Oct 29, 1996 · Amount on Record |
| Deed Document Number | 1996GE-2747 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | May 5, 2026 |
| Property Address | 3043 RUFFLE DR, BARTLETT, TN 38134-3829 |
| Document Number | 0000035912 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202635912 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3043 RUFFLE DR, BARTLETT, TN 38134-3829 |
| Investor | Possibly a Property Investor |
| Document Number | 0000035912, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 202635912 |
| Name | MEMPHIS CITY EMPS CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 5, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 3043 RUFFLE DR, BARTLETT, TN 38134-3829 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2021 |
| Title Company | FAMS DTO |
| Name | Verified Name |
|---|---|
| Address | 3043 RUFFLE DR, BARTLETT, TN 38134-3829 |
| Document Number | 0021126296 |
|---|---|
| Date | Oct 7, 2021 |
| Instrument | 21126296 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 210 Months |
| Due | Apr 1, 2039 |
Source: Shelby County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| Municipality | Bartlett City |
| County | Shelby County |
| Unified School District | Bartlett City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,233.00 | $61,350 (+35.21%) Land $13,750 Building $47,600 | $245,400 (+35.21%) Land $55,000 Building $190,400 |
| 2024 | $1,233.00 (-19.83%) | ||
| 2023 | $45,375 Land $8,275 Building $37,100 | ||
| 2022 | $1,538.00 | ||
| 2021 | $181,500 Land $33,100 Building $148,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BARTLETT WATER SYSTEM serves 57,129 people · EPA ID TN0000765 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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 441 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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