3181 Ridgeway Rd, Memphis, TN 38115 Property Records

Shelby County property record for 3181 Ridgeway Rd, Memphis, TN 38115

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,097 sqft · built 1978
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on Record
Last Sale	$136,000 (Jul 2019)
Tax Bill	$1,394 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-3205-F0-0016`

Property Details

APN / Parcel Number

Primary APN	`09-3205-F0-0016`
Alternative APN	`D0230E F00016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,097 sqft Living Area
1st Floor Area	1,656 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1999
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Porch	Open Porch
Porch Area	15 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3181 RIDGEWAY RD
City	MEMPHIS
State	TN
Zip	38115-3426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RW
Legal Description	SS BELLE FOREST DR COR RIDGEWAY RD
Legal Subdivision	KIRBY DOWNS REV SEC C
Legal Lot Number	16
Jurisdiction	SHELBY TN
Township / Civil Division	12
Census Block Group	1
Census Block	1017
Census Tract	21721

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	3181 RIDGEWAY RD, MEMPHIS, TN 38115-3426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Jul 9, 2019	Warranty Deed, Transfer · FHA Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2019 · Amount on Record
Deed Sale	Jul 9, 2019 · Amount on Record
Prior Sale	Apr 5, 2007 · Amount on Record
Deed Document Number	201968045
Prior Transfer Date	Sep 14, 2004
Prior Transfer Doc	0000165975
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	3181 RIDGEWAY RD, MEMPHIS, TN 38115-3426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006161
Date	Jan 19, 2017
Instrument	17006161

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Jul 9, 2019
Property Address	3181 RIDGEWAY RD, MEMPHIS, TN 38115-3426
Document Number	0000068045
Instrument Date	Jul 8, 2019
Instrument	68045
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	PREFERRED TITLE, PREFERRED TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$503.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 RIDGEWAY RD MEMPHIS TN 381153426, MEMPHIS, TN 38115-3426

Mortgage

Document Number	68046
Date	Jul 9, 2019
Instrument	68046

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2049

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	$1,394.00 (-42.21%)	$51,825 (+30.87%) Land $5,000 Building $46,825	$207,300 (+30.87%) Land $20,000 Building $187,300
2023		$39,600 Land $4,400 Building $35,200
2022	$2,412.00
2021			$158,400 Land $17,600 Building $140,800

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	2 (1979–2005)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2005 · 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 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 373 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	1,000 / 75

May also be available: Gigafy, T-Mobile.

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