3187 Emerald St, Memphis, TN 38115 Property Records

Shelby County property record for 3187 Emerald St, Memphis, TN 38115

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,554 sqft · built 1967
Lot Size	0.263 acres (11,461 sqft)
Owner	Individual Name on File
Last Sale	$76,500 (Feb 1996)
Tax Bill	$989 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`07-4075-0-0014`

Property Details

APN / Parcel Number

Primary APN	`07-4075-0-0014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,554 sqft Living Area
Gross Area	1,974 sqft
1st Floor Area	1,554 sqft
Utility Area	117 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	11,461 sqft (0.263 acres)
Lot Dimensions	111 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3187 EMERALD ST
City	MEMPHIS
State	TN
Zip	38115-2325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Subdivision	FOX MEADOWS
Legal Block	D
Legal Lot Number	71
Jurisdiction	SHELBY TN
Township / Civil Division	11
Census Block Group	3
Census Block	3012
Census Tract	10720

Owner

3187 Emerald St is owned and occupied by an individual who acquired it in October 1999.

Source: Shelby County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	3187 EMERALD ST, MEMPHIS, TN 38115-2325
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Jul 7, 2018	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 1996 · Amount on File
Deed Sale	Feb 23, 1996 · Amount on File
Deed Book / Page	FS / 7720
Last Transfer Date	Oct 27, 1999
Transfer Doc	0000000696
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	3187 EMERALD ST, MEMPHIS, TN 38115-2325
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3187 EMERALD ST, MEMPHIS, TN 38115-2325

Mortgage

Document Number	0021122845
Date	Oct 1, 2021
Instrument	21122845

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Jul 1, 2048

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHELBY TN
Property Address	3187 EMERALD ST, MEMPHIS, TN 38115-2325
Document Number	0000073677
Instrument Date	Jul 7, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3187 EMERALD ST MEMPHIS TN 381152325, MEMPHIS, TN 38115-2325

Mortgage

Document Number	0000073677
Date	Jul 24, 2018
Instrument	73677

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 3187 Emerald St was $989.

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	$989.00	$36,775 Land $5,750 Building $31,025	$147,100 Land $23,000 Building $124,100
2023		$31,325 Land $5,000 Building $26,325
2022	$1,908.00
2021			$125,300 Land $20,000 Building $105,300

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

FEMA maps place 3187 Emerald St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3187 Emerald St is low, with less than 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 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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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