Shelby County property record for 512 McElroy Rd, Memphis, TN 38120
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,140 sqft · built 1986 |
| Lot Size | 0.271 acres (11,794 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Dec 2022) |
| Tax Bill | $3,299 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jan 2024 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 06-8066-0-0072 |
| Primary APN | 06-8066-0-0072 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 4,140 sqft Living Area |
| 1st Floor Area | 2,070 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Traditional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,794 sqft (0.271 acres) |
| Lot Dimensions | 175 ft deep x 58 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Patio Area | 42 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 512 MCELROY RD |
|---|---|
| City | MEMPHIS |
| State | TN |
| Zip | 38120-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-6 |
| Legal Description | ES MCELROY RD SEE MAP 128 P |
| Legal Subdivision | BRUCE ELLINGTON RESUB |
| Legal Lot Number | 2A |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 13 |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 9202 |
512 McElroy Rd is owned by two individuals who bought it in December 2022.
Source: Shelby County records, as of June 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX, VACAVILLE, CA 95696 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORP |
| Jan 10, 2024 | Deed of Trust, Mortgage · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC |
| Dec 7, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2022 · Amount on File |
| Deed Sale | Dec 7, 2022 · Amount on File |
| Deed Document Number | 2022131846 |
| Prior Transfer Date | Feb 28, 2000 |
| Prior Transfer Doc | 0000KA9550 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 512 MCELROY RD, MEMPHIS, TN 38120-1501 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 807 STONEHILL CT, VACAVILLE, CA 95687-9443 |
| Document Number | 0026014740 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 26014740 |
| Name | HOMEXPRESS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92705 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Prepayment Penalty | 00 Months |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 512 MCELROY RD, MEMPHIS, TN 38120-1501 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Title Company | LAND TITLE CORPORATION, LOCAL TITLE & CLOSING SVCS |
| Name | Verified Name |
|---|---|
| Address | 807 STONEHILL CT, VACAVILLE, CA 95687-9443 |
| Document Number | 0024002501 |
|---|---|
| Date | Jan 10, 2024 |
| Instrument | 24002501 |
| Name | VELOCITY COMMERCIAL CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Dec 7, 2022 |
| Property Address | 512 MCELROY RD, MEMPHIS, TN 38120-1501 |
| Document Number | 0022131846 |
| Map Reference | MB 173 PG 1 |
| Instrument Date | Nov 18, 2022 |
| Instrument | 22131846 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2022 |
| Title Company | EXECUTIVE TITLE AND CLOSING INC, EXECUTIVE TTL & CLOSING INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,591.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1325, VACAVILLE, CA 95696-1325 |
| Document Number | 0022131847 |
|---|---|
| Date | Dec 7, 2022 |
| Instrument | 22131847 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2052 |
The 2025 property tax bill for 512 McElroy Rd was $3,299, down 2.5% from the year before.
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 | $3,299.00 (-2.51%) | $122,675 Land $12,000 Building $110,675 | $490,700 Land $48,000 Building $442,700 |
| 2024 | $3,384.00 | ||
| 2023 | $99,825 Land $9,200 Building $90,625 | ||
| 2022 | $6,080.00 | ||
| 2021 | $399,300 Land $36,800 Building $362,500 |
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.
FEMA maps place 512 McElroy Rd in Zone X, an area of moderate flood risk.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 risk around 512 McElroy Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 72% of Tennessee |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 229 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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