Shelby County property record for 3890 Oak Trace Cv, Bartlett, TN 38135
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,158 sqft · built 2024 |
| Lot Size | 0.253 acres (11,005 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $356,000 (Feb 2024) |
| Tax Bill | $2,193 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Aug 2023 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B0-148A-A0-0010 |
| Primary APN | B0-148A-A0-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,158 sqft Living Area |
| Gross Area | 2,686 sqft |
| 1st Floor Area | 1,630 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Lot Area | 11,005 sqft (0.253 acres) |
| Lot Dimensions | 130 ft deep x 93 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Porch | Open Porch |
| Patio Area | 9 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 3890 OAK TRACE CV |
|---|---|
| City | BARTLETT |
| State | TN |
| Zip | 38135-1805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-10 |
| Legal Description | NS OAK TRACE DR COR OAK TRACE CV(NE) |
| Legal Subdivision | OAK TRACE SEC A |
| Legal Lot Number | 8 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 20635 |
3890 Oak Trace Cv is owned and occupied by two individuals who bought it in February 2024.
Source: Shelby County records, as of June 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3890 OAK TRACE CV, BARTLETT, TN 38135-1805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Feb 19, 2024 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 4, 2023 | Deed of Trust, Mortgage · Construction Mortgage MID SOUTH TITLE SERVICES LLC |
| Jun 16, 2023 | Deed of Trust, Mortgage · Construction Mortgage FINANCIAL FEDERAL BANK |
| Aug 18, 2022 | Warranty Deed, Transfer MID-SOUTH TITLE SERVICES LLC, MID SOUTH TITLE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2024 · Amount on File |
| Deed Sale | Feb 19, 2024 · Amount on File |
| Prior Sale | Aug 18, 2022 · Amount on File |
| Deed Document Number | 202413812 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Feb 19, 2024 |
| Property Address | 3890 OAK TRACE CV, BARTLETT, TN 38135-1805 |
| Document Number | 0024013812 |
| Map Reference | MB 125 PG 68 |
| Instrument Date | Feb 12, 2024 |
| Instrument | 24013812 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 23, 2024 |
| Title Company | MID-SOUTH TITLE SERVICES LLC, MID SOUTH TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,317.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3890 OAK TRACE CV, BARTLETT, TN 38135-1805 |
| Investor | Possibly a Property Investor |
| Document Number | 0024013813 |
|---|---|
| Date | Feb 19, 2024 |
| Instrument | 24013813 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1 Months |
| Due | Mar 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | OAK TRACE DR, BARTLETT, TN 38135 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0023064805 |
|---|---|
| Date | Aug 4, 2023 |
| Instrument | 23064805 |
| Name | MID SOUTH TITLE SERVICES LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | MEMPHIS, TN 38120 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 16 Months |
| Due | Dec 16, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | OAK TRACE DR, BARTLETT, TN 38135 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2023 |
| Title Company | MID-SOUTH TITLE SERVICES LLC, MID SOUTH TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0023049852 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | 23049852 |
| Name | FINANCIAL FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38120 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 18 Months |
| Due | Dec 16, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Aug 18, 2022 |
| Property Address | OAK TRACE DR, BARTLETT, TN 38135 |
| Document Number | 0022093471 |
| Map Reference | MB 125 PG 68 |
| Instrument Date | Aug 16, 2022 |
| Instrument | 22093471 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | MID-SOUTH TITLE SERVICES LLC, MID SOUTH TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $166.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9679 WOODLAND HILLS DR, CORDOVA, TN 38018-6680 |
The 2025 property tax bill for 3890 Oak Trace Cv was $2,193.
Source: Shelby County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | Tennessee |
| Municipality | Bartlett City |
| County | Shelby County |
| Unified School District | Bartlett City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,193.00 | $81,550 Land $12,500 Building $69,050 | $326,200 Land $50,000 Building $276,200 |
| 2023 | $9,525 Land $8,350 Building $1,175 | ||
| 2022 | $322.00 | ||
| 2021 | $38,100 Land $33,400 Building $4,700 |
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 3890 Oak Trace Cv in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 3890 Oak Trace Cv 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 | 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 | BARTLETT WATER SYSTEM serves 57,129 people · EPA ID TN0000765 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 1 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 351 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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