Shelby County property record for 627 Watson St, Memphis, TN 38111
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,741 sqft · built 1938 |
| Lot Size | 0.356 acres (15,515 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Oct 2026) |
| Tax Bill | $2,042 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-6054-0-0010 |
| Primary APN | 04-6054-0-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,741 sqft Living Area |
| 1st Floor Area | 1,314 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 15,515 sqft (0.356 acres) |
| Lot Dimensions | 172 ft deep x 100 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Shed | 1 Shed |
| Shed Area | 425 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 627 WATSON ST |
|---|---|
| City | MEMPHIS |
| State | TN |
| Zip | 38111-7526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-6 |
| Legal Description | WS WATSON ST |
| Legal Subdivision | NORMAL SCHOOL PLACE |
| Legal Lot Number | PT54 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 13 |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 7400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Normal Station Historic District listed 2005 · 1,228 contributing resources · NRIS 05000866 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
627 Watson St is owned and occupied by two individuals who bought it in October 2026.
Source: Shelby County records, as of October 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 627 WATSON ST, MEMPHIS, TN 38111-7526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His 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 |
|---|---|
| Oct 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage PINNACLE BANK |
| Deed of Trust, Mortgage PREFERRED TITLE, PREFERRED TITLE & ESCROW | |
| Deed of Trust, Mortgage PREFERRED TITLE, PREFERRED TITLE & ESCROW | |
| May 13, 2024 | Warranty Deed, Transfer · Conventional Mortgage VIBE CU |
| Jan 19, 2018 | Deed of Trust, Mortgage · Line of Credit IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2026 · Amount on File |
| Deed Sale | Oct 8, 2026 · Amount on File |
| Prior Sale | May 13, 2024 · Amount on File |
| Deed Document Number | 202688016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Oct 8, 2026 |
| Property Address | 627 WATSON ST, MEMPHIS, TN 38111-7526 |
| Document Number | 0000088016 |
| Instrument Date | Sep 5, 2026 |
| Instrument | 202688016 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112,110.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 627 WATSON ST, MEMPHIS, TN 38111-7526 |
| Document Number | 0000088017, |
|---|---|
| Date | Oct 8, 2026 |
| Instrument | 202688017 |
| Name | PINNACLE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 627 WATSON ST, MEMPHIS, TN 38111-7526 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Title Company | PREFERRED TITLE, PREFERRED TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 627 WATSON ST, MEMPHIS, TN 38111-7526 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Title Company | PREFERRED TITLE, PREFERRED TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | May 13, 2024 |
| Property Address | 627 WATSON ST, MEMPHIS, TN 38111-7526 |
| Document Number | 0024038631 |
| Map Reference | MB 6 PG 120 |
| Instrument Date | May 3, 2024 |
| Instrument | 24038631 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2024 |
| Title Company | PREFERRED T&E LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 627 WATSON WATSON STREET, MOORESBURG, TN 37811 |
| Document Number | 0024038632 |
|---|---|
| Date | May 13, 2024 |
| Instrument | 24038632 |
| Name | VIBE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Number | 0024038633 |
|---|---|
| Date | May 13, 2024 |
| Instrument | 24038633 |
| Name | VIBE CU |
|---|---|
| Type | Credit Union |
| Address | NOVI, MI 48377 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 627 WATSON ST, MEMPHIS, TN 38111-7526 |
| Document Number | 0000011477 |
| Instrument Date | Jan 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 627 WATSON ST MEMPHIS TN 381117526, MEMPHIS, TN 38111-7526 |
| Document Number | 0000011477 |
|---|---|
| Date | Feb 6, 2018 |
| Instrument | 11477 |
| Name | IBERIABANK |
|---|---|
| Type | Federal Savings Bank |
| Address | GERMANTOWN, TN 38138 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 5, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 627 Watson St was $2,042.
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 | $2,042.00 | $75,925 Land $8,400 Building $67,525 | $303,700 Land $33,600 Building $270,100 |
| 2023 | $37,075 Land $6,725 Building $30,350 | ||
| 2022 | $2,258.00 | ||
| 2021 | $148,300 Land $26,900 Building $121,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 627 Watson St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.
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 | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2001 · 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 627 Watson St 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 93% of the US · lower than 93% 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 232 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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