6186 Moray Cv, Memphis, TN 38119 Property Records

Shelby County property record for 6186 Moray Cv, Memphis, TN 38119

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,974 sqft · built 1967
Lot Size	0.365 acres (15,902 sqft)
Owner	2 Company Names on Record
Last Sale	$325,000 (May 2019)
Tax Bill	$2,841 (2025)
Deeds & Mortgages	Aug 2026 Transfer Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-1013-0-0048`

Property Details

APN / Parcel Number

Primary APN	`08-1013-0-0048`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,974 sqft Living Area
1st Floor Area	2,684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Colonial
Exterior Material	Brick Veneer
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,902 sqft (0.365 acres)
Lot Dimensions	139 ft deep x 110 ft wide
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	255 sqft
Deck Area	273 sqft
Patio Area	478 sqft
Shed	1 Shed
Shed Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	6186 MORAY CV
City	MEMPHIS
State	TN
Zip	38119-6331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	NS MORAY CV 105.365 FT E OF
Legal Subdivision	BALMORAL ESTATES
Legal Block	C-1
Legal Lot Number	59
Jurisdiction	SHELBY TN
Township / Civil Division	4
Census Block Group	2
Census Block	2007
Census Tract	21320

Owner

Source: Shelby County records, as of August 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	6186 MORAY CV, MEMPHIS, TN 38119-6331
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL FEDERAL BANK
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL FEDERAL BANK
May 1, 2019	Warranty Deed, Transfer · Conventional Mortgage FINANCIAL FED'L BK
Nov 19, 2018	Warranty Deed, Transfer · Conventional Mortgage IBERIABANK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2019 · Amount on Record
Deed Sale	May 1, 2019 · Amount on Record
Prior Sale	Nov 19, 2018 · Amount on Record
Deed Document Number	201942438
Last Transfer Date	Jul 30, 2026
Transfer Doc	0000066638
Record Updated	Sep 20, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHELBY TN
Recording Date	Aug 5, 2026
Property Address	6186 MORAY CV, MEMPHIS, TN 38119-6331
Document Number	0000066638
Instrument Date	Jul 30, 2026
Instrument	202666638
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	6186 MORAY CV, MEMPHIS, TN 38119-6331

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	6186 MORAY CV, MEMPHIS, TN 38119-6331
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021008579
Date	Jan 22, 2021
Instrument	21008579

Lender

Name	FINANCIAL FEDERAL BANK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	6186 MORAY CV, MEMPHIS, TN 38119-6331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008579
Date	Jan 22, 2021
Instrument	21008579

Lender

Name	FINANCIAL FEDERAL BANK
Type	Bank
Address	MEMPHIS, TN 38120

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	May 1, 2019
Property Address	6186 MORAY CV, MEMPHIS, TN 38119-6331
Document Number	0000042438
Instrument Date	Apr 30, 2019
Instrument	42438
Transaction Type	Transfer
Record Updated	May 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,202.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6186 MORAY CV MEMPHIS TN 381196331, MEMPHIS, TN 38119-6331

Mortgage

Document Number	42439
Date	May 1, 2019
Instrument	42439

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Nov 19, 2018
Property Address	6186 MORAY CV, MEMPHIS, TN 38119-6331
Document Number	0000118753
Instrument Date	Nov 15, 2018
Instrument	118753
Transaction Type	Transfer
Record Updated	Nov 30, 2018
Title Company	FIRST NATIONAL FINANCIAL TITLE SERVICES I, FIRST NAT'L FIN'L TITLE SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$873.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6186 MORAY COVE AVE MEMPHIS TN 38119, MEMPHIS, TN 38119

Mortgage

Document Number	118754
Date	Nov 19, 2018
Instrument	118754

Lender

Name	IBERIABANK MTG
Type	Mortgage Company
Address	LAFAYETTE, LA 70501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2048

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	$2,841.00 (-47.58%)	$105,625 (+18.71%) Land $17,100 Building $88,525	$422,500 (+18.71%) Land $68,400 Building $354,100
2023		$88,975 Land $17,100 Building $71,875
2022	$5,420.00
2021			$355,900 Land $68,400 Building $287,500

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.

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	4 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2009 · 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

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

Wildfire Risk	Low lower than 65% of the US · above 51% 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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