3128 Central Ave, Memphis, TN 38111 Property Records

Shelby County property record for 3128 Central Ave, Memphis, TN 38111

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,256 sqft · built 1941
Lot Size	0.491 acres (21,373 sqft)
Owner	Individual Name on File
Last Sale	$239,900 (Jun 2024)
Tax Bill	$1,603 (2025)
Deeds & Mortgages	Jun 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-5089-0-0041`

Property Details

APN / Parcel Number

Primary APN	`04-5089-0-0041`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,256 sqft Living Area
1st Floor Area	1,256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Other
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,373 sqft (0.491 acres)
Lot Dimensions	232 ft deep x 96 ft wide
Garage Type	Carport
Garage Area	480 sqft
Carport	Carport
Carport Area	480 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	77 sqft
Patio Area	480 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3128 CENTRAL AVE
City	MEMPHIS
State	TN
Zip	38111-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	NS CENTRAL
Legal Subdivision	CENTRAL GARDENS
Legal Lot Number	1
Jurisdiction	SHELBY TN
Township / Civil Division	13
Census Block Group	2
Census Block	2011
Census Tract	7200

Owner

3128 Central Ave is owned and occupied by an individual who bought it in June 2024.

Source: Shelby County records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3128 CENTRAL AVE, MEMPHIS, TN 38111-3319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2024 · Amount on File
Deed Sale	Jun 28, 2024 · Amount on File
Prior Sale	May 5, 2010 · Amount on File
Deed Document Number	202454939
Prior Transfer Date	Aug 19, 2009
Prior Transfer Doc	0000102724
Record Updated	Oct 29, 2026

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Jun 28, 2024
Property Address	3128 CENTRAL AVE, MEMPHIS, TN 38111-3319
Document Number	0024054939
Map Reference	MB 10 PG 25
Instrument Date	Jun 27, 2024
Instrument	24054939
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	UNITY TITLE GROUP LLC, QUALITY TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$887.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3128 CENTRAL AVE, MEMPHIS, TN 38111-3319

Mortgage

Document Number	0024054940
Date	Jun 28, 2024
Instrument	24054940

Lender

Name	COMMUNITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 3128 Central Ave was $1,603.

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	$1,603.00	$59,600 Land $15,750 Building $43,850	$238,400 Land $63,000 Building $175,400
2023		$56,750 Land $19,975 Building $36,775
2022	$3,457.00
2021			$227,000 Land $79,900 Building $147,100

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 3128 Central Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.

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	4 in force
Nearby Flood Claims	4 (2010)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Jul 2010 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 3 claims

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

Wildfire risk around 3128 Central Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.5% 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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20