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3907 Steele St, Memphis, TN 38127 Property Records

Shelby County property record for 3907 Steele St, Memphis, TN 38127

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,684 sqft · built 1973
Lot Size2.03 acres (88,862 sqft)
Owner2 Individual Names on File
Last Sale$139,500 (Aug 2004)
Tax Bill$1,406 (2025)
Deeds & MortgagesMar 2023 Second Mortgage
Aug 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN07-1014-0-0001

Property Details

APN / Parcel Number

Primary APN07-1014-0-0001

Interior

Bedrooms5 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Total Rooms10 Rooms
Stories2 Stories
Building Area2,684 sqft Living Area
Gross Area4,321 sqft
1st Floor Area1,436 sqft

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1973
Architectural StyleTraditional
Exterior MaterialBrick Veneer
Foundation TypeRaised
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area88,862 sqft
Lot Dimensions314 ft deep x 183 ft wide
Garage TypeAttached
Garage Area1,385 sqft
Parking Spaces5 Parking Spaces
PorchEnclosed Frame Porch
Porch Area416 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas

Location & Zoning

Street Address3907 STEELE ST
CityMEMPHIS
StateTN
Zip38127-4330
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-10
Legal DescriptionWS STEELE RD TO IC RR COR NO WATKINS ST(SW)
Legal SubdivisionGEORGIAN HILLS SEC I
Legal Lot Number2
JurisdictionSHELBY TN
Township / Civil Division7
Census Block Group3
Census Block3004
Census Tract10002

Owner

3907 Steele St is owned and occupied by two individuals who bought it in August 2004.

Source: Shelby County records, as of June 2, 2026

Owner of Record2 Individual Names on File
Mailing Address3907 STEELE ST, MEMPHIS, TN 38127-4330
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Mar 6, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
NAVY FCU
Aug 19, 2021Deed of Trust, Mortgage · VA Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 9, 2004 · Amount on File
Deed SaleAug 9, 2004 · Amount on File
Deed Document Number2004133151
Record UpdatedOct 29, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSHELBY TN
Property Address3907 STEELE ST, MEMPHIS, TN 38127-4330
Transaction TypeMortgage
Record UpdatedMar 13, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0023017296
DateMar 6, 2023
Instrument23017296
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term239 Months
DueFeb 1, 2043

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSHELBY TN
Property Address3907 STEELE ST, MEMPHIS, TN 38127-4330
Transaction TypeMortgage
Record UpdatedAug 25, 2021
Title CompanyCHAMPION TITLE AGENCY, CHAMPION TITLE & STLMTS INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0021103555
DateAug 19, 2021
Instrument21103555
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3907 Steele St was $1,406.

Source: Shelby County assessment roll, as of June 2, 2026

Property Jurisdictions

TypeName
StateTennessee
CountyShelby County
MunicipalityMemphis City
Unified School DistrictShelby County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,406.00$52,275 Land $10,450 Building $41,825$209,100 Land $41,800 Building $167,300
2023$35,850 Land $9,125 Building $26,725
2022$2,183.00
2021$143,400 Land $36,500 Building $106,900

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.

Flood

FEMA maps place 3907 Steele St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

Wildfire risk around 3907 Steele St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 72% of Tennessee
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemMEMPHIS LIGHT, GAS, & WATER
serves 659,500 people · EPA ID TN0000450
Water SourceGroundwater
Last State InspectionApr 2024
Lead5 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 306 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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