Shelby County property record for 3984 Bernadine Dr, Memphis, TN 38116
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,496 sqft · built 1962 |
| Lot Size | 0.245 acres (10,667 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $135,000 (Jan 2022) |
| Tax Bill | $1,070 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jan 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-8092-0-0015 |
| Primary APN | 07-8092-0-0015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,496 sqft Living Area |
| Gross Area | 1,895 sqft |
| 1st Floor Area | 1,496 sqft |
| Utility Area | 77 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,667 sqft (0.245 acres) |
| Lot Dimensions | 132 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 456 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 3984 BERNADINE DR |
|---|---|
| City | MEMPHIS |
| State | TN |
| Zip | 38116-5710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Subdivision | JOE RUSSELLS GRACELAND VIEW |
| Legal Lot Number | 11 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 9 |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 22024 |
Source: Shelby County records, as of June 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3984 BERNADINE DR, MEMPHIS, TN 38116-5710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2026 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK |
| Jan 20, 2022 | Warranty Deed, Transfer · FHA Mortgage WELLS FARGO BANK NA |
| Nov 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2022 · Amount on Record |
| Deed Sale | Jan 20, 2022 · Amount on Record |
| Prior Sale | May 26, 1999 · Amount on Record |
| Deed Document Number | 20228090 |
| Prior Transfer Date | Feb 1, 2007 |
| Prior Transfer Doc | 0000020768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Sep 9, 2026 |
| Property Address | 3984 BERNADINE DR, MEMPHIS, TN 38116-5710 |
| Document Number | 0000078252 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 202678252 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3984 BERNADINE DR, MEMPHIS, TN 38116-5710 |
| Document Number | 0000078252, |
|---|---|
| Date | Sep 9, 2026 |
| Instrument | 202678252 |
| Name | TRUSTMARK NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Jul 21, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Jan 20, 2022 |
| Property Address | 3984 BERNADINE DR, MEMPHIS, TN 38116-5710 |
| Document Number | 0022008090 |
| Map Reference | MB 23 PG 40 |
| Instrument Date | Jan 13, 2022 |
| Instrument | 22008090 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | EDCO TITLE AND CLOSING SERVICES, EDCO TTL & CLOSING SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $499.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3984 BERNADINE DR, MEMPHIS, TN 38116-5710 |
| Document Number | 0022008031 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 22008031 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 3984 BERNADINE DR, MEMPHIS, TN 38116-5710 |
| Document Number | 0020142256 |
| Instrument Date | Nov 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3984 BERNADINE DR MEMPHIS TN 381165710, MEMPHIS, TN 38116-5710 |
| Document Number | 0020142256 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 20142256 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 204 Months |
| Due | Dec 20, 2037 |
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 | $1,070.00 (-31.63%) | $39,800 (+54.86%) Land $5,300 Building $34,500 | $159,200 (+54.86%) Land $21,200 Building $138,000 |
| 2023 | $25,700 Land $4,075 Building $21,625 | ||
| 2022 | $1,565.00 | ||
| 2021 | $102,800 Land $16,300 Building $86,500 |
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.
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 | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% 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 | 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 247 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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