3123 E Raines Rd, Memphis, TN 38118 Property Records

Shelby County property record for 3123 E Raines Rd, Memphis, TN 38118

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,445 sqft · built 1963
Lot Size	0.239 acres (10,430 sqft)
Owner	2 Individual Names on Record
Tax Bill	$698 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-0176-0-0177`

Property Details

APN / Parcel Number

Primary APN	`06-0176-0-0177`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,445 sqft Living Area
1st Floor Area	1,445 sqft
Utility Area	64 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,430 sqft (0.239 acres)
Lot Dimensions	149 ft deep x 70 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3123 E RAINES RD
City	MEMPHIS
State	TN
Zip	38118-6756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Subdivision	KENSINGTON GARDENS
Legal Block	H-1
Legal Lot Number	769
Jurisdiction	SHELBY TN
Township / Civil Division	11
Census Block Group	3
Census Block	3003
Census Tract	11010

Owner

Source: Shelby County records, as of July 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3123 E RAINES RD, MEMPHIS, TN 38118-6756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit SOUTHERN SECURITY FCU
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit SOUTHERN SECURITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	3123 E RAINES RD, MEMPHIS, TN 38118-6756
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	CLOSETRAK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021049615
Date	Apr 26, 2021
Instrument	21049615

Lender

Name	SOUTHERN SECURITY FCU
Type	Credit Union
Address	COLLIERVILLE, TN 38017

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	3123 E RAINES RD, MEMPHIS, TN 38118-6756
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	CLOSETRAK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021049730
Date	Apr 26, 2021
Instrument	21049730

Lender

Name	SOUTHERN SECURITY FCU
Type	Credit Union
Address	COLLIERVILLE, TN 38017

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$698.00 (-47.91%)	$25,975 (+18.07%) Land $3,625 Building $22,350	$103,900 (+18.07%) Land $14,500 Building $89,400
2023		$22,000 Land $3,000 Building $19,000
2022	$1,340.00
2021			$88,000 Land $12,000 Building $76,000

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

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.3% of Tennessee
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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