Shelby County property record for 3906 Oak Trace Cv, Bartlett, TN 38135
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,480 sqft · built 1988 |
| Lot Size | 0.36 acres (15,695 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Dec 2015) |
| Tax Bill | $1,965 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2026 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B0-148A-A0-0008 |
| Primary APN | B0-148A-A0-0008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,480 sqft Living Area |
| Gross Area | 2,930 sqft |
| 1st Floor Area | 1,015 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Traditional |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,695 sqft (0.36 acres) |
| Lot Dimensions | 130 ft deep x 46 ft wide |
| Garage Type | Attached |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 15 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 3906 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 | ES OAK TRACE DR |
| Legal Subdivision | OAK TRACE SEC A |
| Legal Lot Number | 10 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 20635 |
3906 Oak Trace Cv is owned and occupied by an individual who bought it in December 2015.
Source: Shelby County records, as of June 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3906 OAK TRACE CV, BARTLETT, TN 38135-1805 |
| 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.
| Date | Document |
|---|---|
| Feb 20, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST SOUTH FINANCIAL CU |
| Feb 2, 2026 | Intrafamily Transfer, Transfer |
| Jul 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2015 · Amount on File |
| Deed Sale | Dec 16, 2015 · Amount on File |
| Prior Sale | May 15, 2015 · Amount on File |
| Deed Document Number | 2015125319 |
| Prior Transfer Date | Oct 11, 2015 |
| Prior Transfer Doc | 0000125317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 3906 OAK TRACE CV, BARTLETT, TN 38135-1805 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0026013398 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 26013398 |
| Name | FIRST SOUTH FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | MEMPHIS, TN 38134 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 19, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Feb 2, 2026 |
| Property Address | 3906 OAK TRACE CV, BARTLETT, TN 38135-1805 |
| Document Number | 0026006765 |
| Map Reference | MB 125 PG 68 |
| Instrument Date | Feb 2, 2026 |
| Instrument | 26006765 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3906 OAK TRACE CV, BARTLETT, TN 38135-1805 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 3906 OAK TRACE CV, BARTLETT, TN 38135-1805 |
| Document Number | 0000077657 |
| Instrument Date | Jul 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3906 OAK TRACE CV BARTLETT TN 381351805, BARTLETT, TN 38135-1805 |
| Document Number | 0000077657 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 77657 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 26, 2040 |
The 2025 property tax bill for 3906 Oak Trace Cv was $1,965, down 20.7% from the year before.
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 | $1,965.00 (-20.67%) | $73,075 Land $12,500 Building $60,575 | $292,300 Land $50,000 Building $242,300 |
| 2024 | $2,477.00 | ||
| 2023 | $52,350 Land $8,350 Building $44,000 | ||
| 2022 | $1,774.00 | ||
| 2021 | $209,400 Land $33,400 Building $176,000 |
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.
FEMA maps place 3906 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 3906 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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