5614 Rust Rd, Memphis, TN 38127 Property Records

Shelby County property record for 5614 Rust Rd, Memphis, TN 38127

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,438 sqft · built 1964
Lot Size	10 acres (437,778 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,366 (2025)
Deeds & Mortgages	Oct 2026 Mortgage May 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`D0-135-0-0323`

Property Details

APN / Parcel Number

Primary APN	`D0-135-0-0323`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,438 sqft Living Area
Gross Area	2,878 sqft
1st Floor Area	1,269 sqft
Utility Area	100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	437,778 sqft
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	594 sqft
Shed	1 Shed
Shed Area	864 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	5614 RUST RD
City	MEMPHIS
State	TN
Zip	38127-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Description	ES RUST RD 2178.3 FT N OF HWY 51
Legal Lot Number	1
Jurisdiction	SHELBY TN
Township / Civil Division	1
Census Block Group	2
Census Block	2021
Census Tract	20221

Owner

5614 Rust Rd is owned and occupied by two individuals who acquired it in June 2025.

Source: Shelby County records, as of October 14, 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	2 Individual Names on File
Mailing Address	5614 RUST RD, MEMPHIS, TN 38127-1908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
May 3, 2024	Deed of Trust, Mortgage · FHA Mortgage POLARIS HOME FUNDING CORP
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Jan 14, 2019	Deed of Trust, Mortgage · FHA Mortgage POLARIS HM FNDG
Jun 18, 2019	Correction Deed, Transfer TERRA TITLE COMPANY, TERRA TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2019
Deed Sale	Jun 18, 2019
Prior Sale	Jul 14, 1995 · Amount on File
Deed Document Number	201959296
Last Transfer Date	Jun 22, 2025
Transfer Doc	0000075447
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Recording Date	Oct 7, 2026
Property Address	5614 RUST RD, MEMPHIS, TN 38127-1908
Document Number	0000087632
Instrument Date	Jun 23, 2026
Instrument	202687632
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5614 RUST RD, MEMPHIS, TN 38127-1908

Mortgage

Document Number	0000087632,
Date	Oct 7, 2026
Instrument	202687632

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	5614 RUST RD, MEMPHIS, TN 38127-1908
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5614 RUST RD, MEMPHIS, TN 38127-1908

Mortgage

Document Number	0024036388
Date	May 3, 2024
Instrument	24036388

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	5614 RUST RD, MEMPHIS, TN 38127-1908
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5614 RUST RD, MEMPHIS, TN 38127-1908

Mortgage

Document Number	0023078101
Date	Sep 15, 2023
Instrument	23078101

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MILLINGTON, TN 38053

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	5614 RUST RD, MEMPHIS, TN 38127-1908
Document Number	0000059297
Instrument Date	Jan 14, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5614 RUST RD MEMPHIS TN 381271908, MEMPHIS, TN 38127-1908

Mortgage

Document Number	0000059297
Date	Jun 18, 2019
Instrument	59297

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 17, 2039

June 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SHELBY TN
Recording Date	Jun 18, 2019
Property Address	5614 RUST RD, MEMPHIS, TN 38127-1908
Document Number	0000059296
Instrument Date	Jan 14, 2019
Instrument	59296
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	TERRA TITLE COMPANY, TERRA TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5614 RUST RD MEMPHIS TN 381271908, MEMPHIS, TN 38127-1908

Tax Assessment & Valuation

The 2025 property tax bill for 5614 Rust Rd was $2,366.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,366.00	$87,975 Land $21,650 Building $66,325	$351,900 Land $86,600 Building $265,300
2023		$68,725 Land $19,000 Building $49,725
2022	$2,329.00
2021			$274,900 Land $76,000 Building $198,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5614 Rust Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1987.

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 Claims	12 (1987–2015)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Mar 2015 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, May 2010 · 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

Wildfire risk around 5614 Rust Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 49% of Tennessee
Wildfire Likelihood	0.04% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Right Fiber Cable	2,000 / 75

May also be available: T-Mobile, Verizon.

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