491 McElroy Rd, Memphis, TN 38120 Property Records

Shelby County property record for 491 McElroy Rd, Memphis, TN 38120

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2.5 ba · 3,206 sqft · built 1990
Lot Size	0.153 acres (6,682 sqft)
Owner	Individual Name on Record
Last Sale	$232,000 (Jul 2015)
Tax Bill	$2,401 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-8006-B0-0028`

Property Details

APN / Parcel Number

Primary APN	`06-8006-B0-0028`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,206 sqft Living Area
Gross Area	3,626 sqft
1st Floor Area	1,745 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,682 sqft (0.153 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Patio Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	491 MCELROY RD
City	MEMPHIS
State	TN
Zip	38120-1524
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	R-6
Legal Description	ES BEARS PAW CL (PD)
Legal Subdivision	MCKENZIE PLACE P R D
Legal Lot Number	28
Jurisdiction	SHELBY TN
Township / Civil Division	13
Census Block Group	1
Census Block	1029
Census Tract	9202

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	491 MCELROY RD, MEMPHIS, TN 38120-1524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2015 · Amount on Record
Deed Sale	Jul 9, 2015 · Amount on Record
Prior Sale	Dec 31, 2007 · Amount on Record
Deed Document Number	201566977
Prior Transfer Date	Feb 7, 2003
Prior Transfer Doc	0000048366
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	491 MCELROY RD, MEMPHIS, TN 38120-1524
Transaction Type	Mortgage
Record Updated	Aug 27, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 MCELROY RD, MEMPHIS, TN 38120-1524

Mortgage

Document Number	0021104792
Date	Aug 23, 2021
Instrument	21104792

Lender

Name	TRUIST BANK
Type	Bank
Address	NASHVILLE, TN 37219

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	491 MCELROY RD, MEMPHIS, TN 38120-1524
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021090918
Date	Jul 22, 2021
Instrument	21090918

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Shelby County
Municipality	Memphis City
Unified School District	Shelby County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,401.00 (-47.46%)	$89,275 (+18.99%) Land $13,375 Building $75,900	$357,100 (+18.99%) Land $53,500 Building $303,600
2023		$75,025 Land $13,375 Building $61,650
2022	$4,570.00
2021			$300,100 Land $53,500 Building $246,600

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	6 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	Low lower than 99.1% of the US · lower than 99.2% of Tennessee
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 516 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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