494 Cherry Rd, Memphis, TN 38117 Property Records

Shelby County property record for 494 Cherry Rd, Memphis, TN 38117

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 6,949 sqft · built 1988
Lot Size	1.41 acres (61,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,140,000 (Oct 2016)
Tax Bill	$11,571 (2025)
Deeds & Mortgages	Jun 2020 Loan Modification Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-7012-0-0033C`

Property Details

APN / Parcel Number

Primary APN	`05-7012-0-0033C`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	18 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	1 Story
Building Area	6,949 sqft Living Area
Gross Area	7,800 sqft
1st Floor Area	4,300 sqft
Utility Area	184 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	European
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	61,792 sqft (1.41 acres)
Lot Dimensions	412 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	851 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	557 sqft
Patio Area	330 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	494 CHERRY RD
City	MEMPHIS
State	TN
Zip	38117-3641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	ES CHERRY RD
Legal Subdivision	MALCOLM BARBOROS BARBORO CHERRY RD
Legal Lot Number	3&PT2
Jurisdiction	SHELBY TN
Township / Civil Division	4
Census Block Group	1
Census Block	1011
Census Tract	8500

Owner

Source: Shelby County records, as of July 14, 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	494 CHERRY RD, MEMPHIS, TN 38117-3641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2020	Loan Modification, Mortgage · Line of Credit FINANCIAL FED'L BK
Jul 20, 2017	Deed of Trust, Mortgage · Line of Credit FINANCIAL FED'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2016 · Amount on Record
Deed Sale	Oct 4, 2016 · Amount on Record
Deed Document Number	2016101515
Record Updated	Sep 20, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHELBY TN
Property Address	494 CHERRY RD, MEMPHIS, TN 38117-3641
Document Number	0000066808
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066808
Date	Jun 30, 2020
Instrument	66808

Lender

Name	FINANCIAL FED'L BK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Jun 29, 2022

Interest

Rate Type	Adjustable Rate
Rate	3.25%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	494 CHERRY RD, MEMPHIS, TN 38117-3641
Document Number	0000075975
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	494 CHERRY RD MEMPHIS TN 381173641, MEMPHIS, TN 38117-3641

Mortgage

Document Number	0000075975
Date	Jul 27, 2017
Instrument	75975

Lender

Name	FINANCIAL FED'L BK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 26, 2022

Interest

Rate Type	Adjustable Rate

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	$11,571.00 (-44.79%)	$430,175 (+25.02%) Land $72,125 Building $358,050	$1,720,700 (+25.02%) Land $288,500 Building $1,432,200
2023		$344,075 Land $72,125 Building $271,950
2022	$20,959.00
2021			$1,376,300 Land $288,500 Building $1,087,800

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (2001–2002)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2002 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Aug 2001 · 2 claims

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 93% of the US · lower than 93% 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.

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 303 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

May also be available: Verizon.

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