3126 E Raines Rd, Memphis, TN 38118 Property Records

Shelby County property record for 3126 E Raines Rd, Memphis, TN 38118

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,243 sqft · built 1967
Lot Size	0.243 acres (10,563 sqft)
Owner	Individual Name on Record
Last Sale	$57,500 (Aug 1995)
Tax Bill	$665 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-0176-0-0162`

Property Details

APN / Parcel Number

Primary APN	`06-0176-0-0162`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,243 sqft Living Area
1st Floor Area	1,243 sqft
Utility Area	48 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,563 sqft (0.243 acres)
Lot Dimensions	116 ft deep x 74 ft wide
Garage Type	Carport
Garage Area	231 sqft
Carport	Carport
Carport Area	231 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	370 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3126 E RAINES RD
City	MEMPHIS
State	TN
Zip	38118-6755
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	755
Jurisdiction	SHELBY TN
Township / Civil Division	11
Census Block Group	2
Census Block	2006
Census Tract	11010

Owner

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	3126 E RAINES RD, MEMPHIS, TN 38118-6755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · FHA Mortgage FOUNDATION FUNDING GROUP INC
Jul 16, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Feb 12, 2018	Loan Modification, Mortgage · Conventional Mortgage WFB NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 1995 · Amount on Record
Deed Sale	Aug 31, 1995 · Amount on Record
Deed Book / Page	FJ / 0137
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	3126 E RAINES RD, MEMPHIS, TN 38118-6755
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021044998
Date	Apr 16, 2021
Instrument	21044998

Lender

Name	FOUNDATION FUNDING GROUP INC
Type	Mortgage Company
Address	3362

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHELBY TN
Property Address	3126 E RAINES RD, MEMPHIS, TN 38118-6755
Document Number	0000112938
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3126 E RAINES RD MEMPHIS TN 381186755, MEMPHIS, TN 38118-6755

Mortgage

Document Number	0000112938
Date	Oct 15, 2020
Instrument	112938

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2050

Interest

Rate	3.25%

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHELBY TN
Property Address	3126 E RAINES RD, MEMPHIS, TN 38118-6755
Document Number	0000019994
Instrument Date	Feb 12, 2018
Transaction Type	Mortgage
Record Updated	Mar 8, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3126 E RAINES RD MEMPHIS TN 381186755, MEMPHIS, TN 38118-6755

Mortgage

Document Number	0000019994
Date	Mar 2, 2018
Instrument	19994

Lender

Name	WFB NA
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

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	$665.00 (-48.17%)	$24,750 (+17.44%) Land $3,625 Building $21,125	$99,000 (+17.44%) Land $14,500 Building $84,500
2023		$21,075 Land $3,000 Building $18,075
2022	$1,283.00
2021			$84,300 Land $12,000 Building $72,300

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 · 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 Claims	1 (1979)
Most Recent Claim	Mar 1979 · tidal / storm surge

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

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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