Shelby County property record for 3097 James Rd, Memphis, TN 38128
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 2,555 sqft · built 1940 |
| Lot Size | 1.13 acres (49,658 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,045 (2025) |
| Deeds & Mortgages | May 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-3038-0-0010 |
| Primary APN | 08-3038-0-0010 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,555 sqft Living Area |
| 1st Floor Area | 1,331 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 49,658 sqft |
| Lot Dimensions | 432 ft deep x 116 ft wide |
| Garage Type | Detached |
| Garage Area | 1,200 sqft |
| Deck Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 3097 JAMES RD |
|---|---|
| City | MEMPHIS |
| State | TN |
| Zip | 38128-2921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Description | SS JAMES RD 115.5 FT W OF WARFORD |
| Legal Subdivision | JAMES RD 1ST ADDN |
| Legal Lot Number | 12 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 20511 |
3097 James Rd is owned and occupied by two individuals who acquired it in May 2024.
Source: Shelby County records, as of June 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3097 JAMES RD, MEMPHIS, TN 38128-2921 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 30, 2024 |
| Transfer Doc | 0000044382 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 3097 JAMES RD, MEMPHIS, TN 38128-2921 |
| Document Number | 0000058918 |
| Instrument Date | May 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3097 JAMES RD MEMPHIS TN 381282921, MEMPHIS, TN 38128-2921 |
| Document Number | 0000058918 |
|---|---|
| Date | Jun 10, 2020 |
| Instrument | 58918 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38112 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 9, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3097 James Rd was $1,045.
Source: Shelby County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Shelby County |
| Municipality | Memphis City |
| Unified School District | Shelby County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,045.00 | $38,850 Land $4,175 Building $34,675 | $155,400 Land $16,700 Building $138,700 |
| 2023 | $26,750 Land $3,725 Building $23,025 | ||
| 2022 | $1,629.00 | ||
| 2021 | $107,000 Land $14,900 Building $92,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3097 James 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1979–2014) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Sep 2014 · rainfall accumulation |
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 3097 James 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 95% of the US · lower than 96% 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 | 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 |
| 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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures