4585 Whisper Spring Dr, Collierville, TN 38017 Property Records

Shelby County property record for 4585 Whisper Spring Dr, Collierville, TN 38017

Property Summary

Property Type	Planned Unit Development
Details	4 bd · 3.5 ba · 3,692 sqft · built 2005
Lot Size	0.455 acres (19,818 sqft)
Owner	2 Individual Names on Record
Last Sale	$317,000 (Oct 2010)
Tax Bill	$2,302 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C0-258Z-A0-0016`

Property Details

APN / Parcel Number

Primary APN	`C0-258Z-A0-0016`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,692 sqft Living Area
Gross Area	4,364 sqft
1st Floor Area	2,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Traditional
Exterior Material	Brick Veneer
Lot Area	19,818 sqft (0.455 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	503 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4585 WHISPER SPRING DR
City	COLLIERVILLE
State	TN
Zip	38017-8504
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	R-1
Legal Description	SS WHISPER SPRINGS DR
Legal Subdivision	WHISPERWOODS PH 1
Legal Lot Number	16
Jurisdiction	SHELBY TN
Township / Civil Division	2
Census Block Group	1
Census Block	1010
Census Tract	21545

Owner

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	4585 WHISPER SPRING DR, COLLIERVILLE, TN 38017-8504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit FEDEX EMPLOYEES CREDIT ASSN FCU
Jan 7, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIGURE LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2010 · Amount on Record
Deed Sale	Oct 7, 2010 · Amount on Record
Prior Sale	Jun 13, 2005 · Amount on Record
Deed Document Number	2010104465
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	4585 WHISPER SPRING DR, COLLIERVILLE, TN 38017-8504
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4585 WHISPER SPRING DR, COLLIERVILLE, TN 38017-8504

Mortgage

Document Number	0026009029
Date	Feb 9, 2026
Instrument	26009029

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	4585 WHISPER SPRING DR, COLLIERVILLE, TN 38017-8504
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4585 WHISPER SPRING DR, COLLIERVILLE, TN 38017-8504

Mortgage

Document Number	0022094624
Date	Aug 23, 2022
Instrument	22094624

Lender

Name	FEDEX EMPLOYEES CREDIT ASSN FCU
Type	Credit Union
Address	MEMPHIS, TN 38132

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 22, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	4585 WHISPER SPRING DR, COLLIERVILLE, TN 38017-8504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002047
Date	Jan 7, 2020
Instrument	20002047

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 7, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	4585 WHISPER SPRING DR, COLLIERVILLE, TN 38017-8504
Document Number	0020121440
Instrument Date	Oct 21, 2020
Transaction Type	Mortgage
Record Updated	Nov 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4585 WHISPER SPRING DR COLLIERVILLE TN 380178504, COLLIERVILLE, TN 38017-8504

Mortgage

Document Number	0020121440
Date	Nov 3, 2020
Instrument	20121440

Lender

Name	FIGURE LNDG LLC
Address	RENO, NV 89501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 2, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Shelby County
Municipality	Collierville Town
Unified School District	Collierville School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,302.00 (-56.39%)	$142,150 (+37.58%) Land $29,500 Building $112,650	$568,600 (+37.58%) Land $118,000 Building $450,600
2023		$103,325 Land $22,775 Building $80,550
2022	$5,279.00
2021			$413,300 Land $91,100 Building $322,200

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

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.

Wildfire

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

Wildfire Risk	Moderate above 46% of the US · above 62% of Tennessee
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 System	COLLIERVILLE WATER DEPT serves 51,972 people · EPA ID TN0000126
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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