3401 Emerald St, Memphis, TN 38115 Property Records

Shelby County property record for 3401 Emerald St, Memphis, TN 38115

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,890 sqft · built 1971
Lot Size	0.276 acres (12,000 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Nov 2021)
Tax Bill	$1,605 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-4073-D0-0076`

Property Details

APN / Parcel Number

Primary APN	`07-4073-D0-0076`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,890 sqft Living Area
Gross Area	2,730 sqft
1st Floor Area	1,630 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.276 acres)
Lot Dimensions	121 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Pool Area	544 sqft
Porch	Open Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	3401 EMERALD ST
City	MEMPHIS
State	TN
Zip	38115-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Subdivision	FOX MEADOWS
Legal Lot Number	413
Jurisdiction	SHELBY TN
Township / Civil Division	11
Census Block Group	3
Census Block	3003
Census Tract	10820

Owner

3401 Emerald St is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3401 EMERALD ST, MEMPHIS, TN 38115-3603
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
Nov 3, 2021	Special Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Jun 11, 2021	Warranty Deed, Transfer · Commercial Mortgage GUARANTY BANK & TRUST CO
Jun 4, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
May 30, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2021 · Amount on File
Deed Sale	Nov 3, 2021 · Amount on File
Prior Sale	Jun 11, 2021 · Amount on File
Deed Document Number	2021137514
Record Updated	Sep 20, 2026

November 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Nov 3, 2021
Property Address	3401 EMERALD ST, MEMPHIS, TN 38115-3603
Document Number	0021137514
Map Reference	MB 38 PG 4
Instrument Date	Nov 2, 2021
Instrument	21137514
Transaction Type	Transfer
Record Updated	Nov 10, 2021
Title Company	NEXUS TITLE SCO LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$703.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 EMERALD ST, MEMPHIS, TN 38115-3603

Mortgage

Document Number	0021137515
Date	Nov 3, 2021
Instrument	21137515

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Mortgage

Document Number	0021137522
Date	Nov 3, 2021
Instrument	21137522

Lender

Name	CITY OF MEMPHIS
Type	Government Agency
Address	MEMPHIS, TN 38103

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Jun 11, 2021
Property Address	3401 EMERALD ST, MEMPHIS, TN 38115-3603
Document Number	0021071277
Map Reference	MB 38 PG 4
Instrument Date	Jun 11, 2021
Instrument	21071277
Transaction Type	Transfer
Record Updated	Jun 18, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$434.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 17005, MEMPHIS, TN 38187-0005
Investor	Possibly a Property Investor

Mortgage

Document Number	0021071278
Date	Jun 11, 2021
Instrument	21071278

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 10, 2022

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	3401 EMERALD ST, MEMPHIS, TN 38115-3603
Document Number	0000063361
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 EMERALD ST MEMPHIS TN 381153603, MEMPHIS, TN 38115-3603

Mortgage

Document Number	0000063361
Date	Jun 22, 2020
Instrument	63361

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	3401 EMERALD ST, MEMPHIS, TN 38115-3603
Document Number	0000058272
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 EMERALD ST MEMPHIS TN 381153603, MEMPHIS, TN 38115-3603

Mortgage

Document Number	0000058272
Date	Jun 9, 2017
Instrument	58272

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3401 Emerald St was $1,605.

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	$1,605.00	$59,675 Land $5,375 Building $54,300	$238,700 Land $21,500 Building $217,200
2023		$42,675 Land $4,800 Building $37,875
2022	$2,599.00
2021			$170,700 Land $19,200 Building $151,500

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 3401 Emerald St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1992.

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	2 in force
Nearby Flood Claims	1 (1992)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1992 · river or lake flooding

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 3401 Emerald St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Tennessee
Wildfire Likelihood	0.02% 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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