PO BOX 3867 CLEVELAND TN 373203867, CLEVELAND, TN 37320-3867
Mortgage
Document Number
95445
Date
Sep 18, 2018
Instrument
95445
Lender
Name
MISCELLANEOUS INS CO
Agreement
Type
Line of Credit
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
Tax Assessment & Valuation
The 2025 property tax bill for 3788 Summer Ave was $8,456, up 15.2% from the year before.
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
$8,456.00 (+15.2%)
$314,360Land $126,600Building $187,760
$785,900Land $316,500Building $469,400
2024
$7,340.00
2023
$216,520Land $101,320Building $115,200
2022
$13,189.00
2021
$541,300Land $253,300Building $288,000
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Flood
FEMA maps place 3788 Summer Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1987.
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
1 (1987)
Most Recent Claim
Dec 1987 · 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
Wildfire risk around 3788 Summer Ave 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 97% of the US · lower than 97.5% 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 503 locations within half a mile, as of December 31, 2025