Shelby County property record for 522 Summitt St, Memphis, TN 38104
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,412 sqft · built 1986 |
| Lot Size | 0.167 acres (7,268 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Apr 2017) |
| Tax Bill | $2,132 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-8010-0-0026 |
| Primary APN | 02-8010-0-0026 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,412 sqft Living Area |
| Gross Area | 3,402 sqft |
| 1st Floor Area | 1,206 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Traditional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,268 sqft (0.167 acres) |
| Lot Dimensions | 158 ft deep x 46 ft wide |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 522 SUMMITT ST |
|---|---|
| City | MEMPHIS |
| State | TN |
| Zip | 38104-5343 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RU-1 |
| Legal Description | ES SUMMIT |
| Legal Subdivision | LENOX |
| Legal Lot Number | PT38 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 13 |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 3100 |
522 Summitt St, a duplex, is owned and occupied by two individuals who bought it in April 2017.
Source: Shelby County records, as of June 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 522 SUMMITT ST, MEMPHIS, TN 38104-5343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE CORP |
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE CORP |
| Apr 25, 2017 | Warranty Deed, Transfer · FHA Mortgage COMMUNITY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2017 · Amount on File |
| Deed Sale | Apr 25, 2017 · Amount on File |
| Prior Sale | Jun 8, 2005 · Amount on File |
| Deed Document Number | 201740483 |
| Prior Transfer Date | Jul 8, 2005 |
| Prior Transfer Doc | 0000111256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 522 SUMMITT ST, MEMPHIS, TN 38104-5343 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021003216 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 21003216 |
| Name | COMMUNITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CORDOVA, TN 38018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 522 SUMMITT ST, MEMPHIS, TN 38104-5343 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003216 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 21003216 |
| Name | COMMUNITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CORDOVA, TN 38018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Apr 25, 2017 |
| Property Address | 522 SUMMITT ST, MEMPHIS, TN 38104-5343 |
| Document Number | 0000040483 |
| Instrument Date | Apr 13, 2017 |
| Instrument | 40483 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2017 |
| Title Company | DELTA TITLE AGENCY INC, DELTA TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $814.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 522 SUMMITT ST MEMPHIS TN 381045320, MEMPHIS, TN 38104-5320 |
| Document Number | 40484 |
|---|---|
| Date | Apr 25, 2017 |
| Instrument | 40484 |
| Name | COMMUNITY MTG |
|---|---|
| Type | Mortgage Company |
| Address | CORDOVA, TN 38018 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 24, 2047 |
The 2025 property tax bill for 522 Summitt St was $2,132.
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 | $2,132.00 | $79,275 Land $13,425 Building $65,850 | $317,100 Land $53,700 Building $263,400 |
| 2023 | $50,650 Land $8,900 Building $41,750 | ||
| 2022 | $3,085.00 | ||
| 2021 | $202,600 Land $35,600 Building $167,000 |
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 522 Summitt St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1989.
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 | 1 in force |
| Nearby Flood Claims | 3 (1989–2021) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Feb 2021 · rainfall accumulation |
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 522 Summitt St is low, with less than a 0.01% annual chance of 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.
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 420 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
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