Shelby County property record for 3855 Windermere Rd, Memphis, TN 38128
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,065 sqft · built 1990 |
| Lot Size | 0.198 acres (8,633 sqft) |
| Owner | Trust Name on File |
| Last Sale | $139,900 (Jul 2022) |
| Tax Bill | $743 (2025) |
| Deeds & Mortgages | Oct 2022 Transfer Jul 2022 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-0076-0-0018 |
| Primary APN | 09-0076-0-0018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,065 sqft Living Area |
| 1st Floor Area | 1,065 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,633 sqft (0.198 acres) |
| Lot Dimensions | 97 ft deep x 89 ft wide |
| Porch | Open Porch |
| Porch Area | 103 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 3855 WINDERMERE RD |
|---|---|
| City | MEMPHIS |
| State | TN |
| Zip | 38128-5233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-6 |
| Legal Description | WS WINDERMERE DR COR CAPRICORN DR NW |
| Legal Subdivision | TIMBERLAKE SEC B |
| Legal Lot Number | 243 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20524 |
3855 Windermere Rd is held in a trust since October 2022.
Source: Shelby County records, as of June 2, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 304 PAM DR, RICHMOND, KY 40475-9813 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 21, 2022 | Intrafamily Transfer, Transfer |
| Jul 27, 2022 | Warranty Deed, Transfer · Conventional Mortgage COGENT BANK |
| Feb 16, 2022 | Warranty Deed, Transfer · Stand-Alone Refinance COMMERCIAL BANK & TRUST COMPANY |
| Apr 17, 2017 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Feb 7, 2017 | Loan Modification, Mortgage · Line of Credit INDEPENDENT BK |
| Feb 8, 2017 | Warranty Deed, Transfer SADDLE CREEK TITLE LLC |
| Jan 11, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2022 · Amount on File |
| Deed Sale | Jul 27, 2022 · Amount on File |
| Prior Sale | Feb 16, 2022 · Amount on File |
| Deed Document Number | 202284169 |
| Last Transfer Date | Oct 16, 2022 |
| Transfer Doc | 0000117272 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Oct 21, 2022 |
| Property Address | 3855 WINDERMERE RD, MEMPHIS, TN 38128-5233 |
| Document Number | 0022117272 |
| Map Reference | MB 54 PG 22 |
| Instrument Date | Oct 16, 2022 |
| Instrument | 22117272 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 304 PAM DR, RICHMOND, KY 40475-9813 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Jul 27, 2022 |
| Property Address | 3855 WINDERMERE RD, MEMPHIS, TN 38128-5233 |
| Document Number | 0022084169 |
| Map Reference | MB 54 PG 22 |
| Instrument Date | Jul 15, 2022 |
| Instrument | 22084169 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $517.63 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 304 PAM DR, RICHMOND, KY 40475-9813 |
| Document Number | 0022084170 |
|---|---|
| Date | Jul 27, 2022 |
| Instrument | 22084170 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Feb 16, 2022 |
| Property Address | 3855 WINDERMERE RD, MEMPHIS, TN 38128-5233 |
| Document Number | 0022018084 |
| Map Reference | MB 54 PG 22 |
| Instrument Date | Jan 31, 2022 |
| Instrument | 22018084 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $374.51 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 FLICKER ST, MEMPHIS, TN 38104-5918 |
| Document Number | 0022018085 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 22018085 |
| Name | COMMERCIAL BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Apr 17, 2017 |
| Property Address | 3855 WINDERMERE RD, MEMPHIS, TN 38128-5233 |
| Document Number | 0000037479 |
| Instrument Date | Apr 12, 2017 |
| Instrument | 37479 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2017 |
| Title Company | SADDLE CREEK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19 SAINT PIERRE CT SAN RAMON CA 945832705, SAN RAMON, CA 94583-2705 |
| Document Number | 37480 |
|---|---|
| Date | Apr 17, 2017 |
| Instrument | 37480 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 3855 WINDERMERE RD, MEMPHIS, TN 38128-5233 |
| Document Number | 0000013966 |
| Instrument Date | Feb 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2019 |
| Title Company | SADDLE CREEK TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2238 CENTRAL AVE MEMPHIS TN 381045508, MEMPHIS, TN 38104-5508 |
| Investor | Possibly a Property Investor |
| Document Number | 0000013966 |
|---|---|
| Date | Feb 8, 2017 |
| Instrument | 13966 |
| Name | INDEPENDENT BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Feb 8, 2017 |
| Property Address | 3855 WINDERMERE RD, MEMPHIS, TN 38128-5233 |
| Document Number | 0000013965 |
| Instrument Date | Feb 7, 2017 |
| Instrument | 13965 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2017 |
| Title Company | SADDLE CREEK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $79.55 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2238 CENTRAL AVE MEMPHIS TN 381045508, MEMPHIS, TN 38104-5508 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Jan 11, 2017 |
| Property Address | 3855 WINDERMERE RD, MEMPHIS, TN 38128-5233 |
| Document Number | 0000003222 |
| Instrument Date | Jan 10, 2017 |
| Instrument | 3222 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4773 KENDALL PL MEMPHIS TN 381282446, MEMPHIS, TN 38128-2446 |
The 2025 property tax bill for 3855 Windermere Rd was $743.
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 | $743.00 | $27,650 Land $2,500 Building $25,150 | $110,600 Land $10,000 Building $100,600 |
| 2023 | $16,375 Land $1,925 Building $14,450 | ||
| 2022 | $997.00 | ||
| 2021 | $65,500 Land $7,700 Building $57,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3855 Windermere Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.
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 | 1 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
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 risk around 3855 Windermere Rd is low, with 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 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 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.
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 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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