Shelby County property record for 3438 Central Ave, Memphis, TN 38111
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 8,800 sqft · built 1922 |
| Lot Size | 2.15 acres (93,741 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $750,000 (Oct 2024) |
| Tax Bill | $5,043 (2025) |
| Deeds & Mortgages | Sep 2025 Construction Loan Oct 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-5126-0-0008 |
| Primary APN | 04-5126-0-0008 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 8,800 sqft Living Area |
| 1st Floor Area | 3,074 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | English |
| Exterior Material | Brick Veneer |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 93,741 sqft |
| Lot Dimensions | 395 ft deep x 237 ft wide |
| Garage Area | 2,023 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 222 sqft |
| Patio Area | 84 sqft |
| Tennis Court | Tennis Court |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 3438 CENTRAL AVE |
|---|---|
| City | MEMPHIS |
| State | TN |
| Zip | 38111-4449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-6 |
| Legal Subdivision | WINDOVER |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 13 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 7200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3438 CENTRAL AVE, MEMPHIS, TN 38111-4449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 17, 2025 | Deed of Trust, Mortgage · Construction Mortgage FINANCIAL FEDERAL BANK |
| Oct 7, 2024 | Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 24, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2024 · Amount on Record |
| Deed Sale | Oct 7, 2024 · Amount on Record |
| Deed Document Number | 202486505 |
| Prior Transfer Date | Sep 18, 2020 |
| Prior Transfer Doc | 0000103769 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 3438 CENTRAL AVE, MEMPHIS, TN 38111-4449 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Title Company | MID SOUTH TITLE |
| Name | Verified Name |
|---|
| Document Number | 0025080588 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 25080588 |
| Name | FINANCIAL FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38120 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 12, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Oct 7, 2024 |
| Property Address | 3438 CENTRAL AVE, MEMPHIS, TN 38111-4449 |
| Document Number | 0024086505 |
| Instrument Date | Oct 3, 2024 |
| Instrument | 24086505 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,775.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3438 CENTRAL AVE, MEMPHIS, TN 38111-4449 |
| Document Number | 0024086506 |
|---|---|
| Date | Oct 7, 2024 |
| Instrument | 24086506 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Sep 24, 2020 |
| Property Address | 3438 CENTRAL AVE, MEMPHIS, TN 38111-4449 |
| Document Number | 0000103769 |
| Instrument Date | Sep 18, 2020 |
| Instrument | 103769 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3438 CENTRAL AVE MEMPHIS TN 381114449, MEMPHIS, TN 38111-4449 |
Source: Shelby County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| County | Shelby County |
| Municipality | Memphis City |
| Unified School District | Shelby County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,043.00 (-74.07%) | $187,500 (-41.26%) Land $143,250 Building $44,250 | $750,000 (-41.26%) Land $573,000 Building $177,000 |
| 2023 | $319,225 Land $143,250 Building $175,975 | ||
| 2022 | $19,446.00 | ||
| 2021 | $1,276,900 Land $573,000 Building $703,900 |
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.
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 |
|
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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 528 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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