Shelby County property record for 6485 River Fall Dr, Memphis, TN 38120
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,117 sqft · built 1986 |
| Lot Size | 0.434 acres (18,905 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $910,000 (Feb 2026) |
| Tax Bill | $6,131 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Feb 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-0008-G0-0029 |
| Primary APN | 08-0008-G0-0029 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 4,117 sqft Living Area |
| Gross Area | 4,737 sqft |
| 1st Floor Area | 2,145 sqft |
| Utility Area | 70 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,905 sqft (0.434 acres) |
| Lot Dimensions | 194 ft deep x 123 ft wide |
| Garage Type | Attached |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 282 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 6485 RIVER FALL DR |
|---|---|
| City | MEMPHIS |
| State | TN |
| Zip | 38120-2624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | ES RIVER FALL DR |
| Legal Subdivision | RIVER OAKS FOURTH ADDN |
| Legal Lot Number | 165 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 21311 |
6485 River Fall Dr is owned and occupied by two individuals who bought it in February 2026.
Source: Shelby County records, as of June 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6485 RIVER FALL DR, MEMPHIS, TN 38120-2624 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Jan 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK |
| Feb 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage RAYMOND JAMES BANK NA |
| Sep 25, 2023 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Sep 6, 2019 | Warranty Deed, Transfer RENASANT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2026 · Amount on File |
| Deed Sale | Feb 3, 2026 · Amount on File |
| Prior Sale | Sep 25, 2023 · Amount on File |
| Deed Document Number | 20267167 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 6485 RIVER FALL DR, MEMPHIS, TN 38120-2624 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0022007963 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 22007963 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Feb 3, 2026 |
| Property Address | 6485 RIVER FALL DR, MEMPHIS, TN 38120-2624 |
| Document Number | 0026007167 |
| Map Reference | MB 77 PG 47 |
| Instrument Date | Feb 2, 2026 |
| Instrument | 26007167 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6485 RIVER FALL DR, MEMPHIS, TN 38120-2624 |
| Document Number | 0026007168 |
|---|---|
| Date | Feb 3, 2026 |
| Instrument | 26007168 |
| Name | RAYMOND JAMES BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 6.87% |
| Index | 1-Year CMT |
| Max Rate | 9.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Sep 25, 2023 |
| Property Address | 6485 RIVER FALL DR, MEMPHIS, TN 38120-2624 |
| Document Number | 0023081295 |
| Map Reference | MB 77 PG 47 |
| Instrument Date | Aug 31, 2023 |
| Instrument | 23081295 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | CLOSETRAK LLC, CLOSETRAK |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,348.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6485 RIVER FALL DR, MEMPHIS, TN 38120-2624 |
| Document Number | 0023081296 |
|---|---|
| Date | Sep 25, 2023 |
| Instrument | 23081296 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY TN |
| Recording Date | Sep 6, 2019 |
| Property Address | 6485 RIVER FALL DR, MEMPHIS, TN 38120-2624 |
| Document Number | 0000091874 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 91874 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2019 |
| Title Company | CLOSETRAK LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,867.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6485 RIVER FALL DR MEMPHIS TN 381202624, MEMPHIS, TN 38120-2624 |
| Document Number | 91875 |
|---|---|
| Date | Sep 6, 2019 |
| Instrument | 91875 |
| Name | RENASANT BK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38802 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 5, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
The 2025 property tax bill for 6485 River Fall Dr was $6,131, down 59.2% 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 | $6,131.00 (-59.15%) | $227,925 Land $45,950 Building $181,975 | $911,700 Land $183,800 Building $727,900 |
| 2024 | $15,009.00 | ||
| 2023 | $195,750 Land $45,950 Building $149,800 | ||
| 2022 | $11,924.00 | ||
| 2021 | $783,000 Land $183,800 Building $599,200 |
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 6485 River Fall Dr in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1980.
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 |
| Flood Insurance Cost | Premium on File median of 24 policies |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 19 (1980–2016) |
| Claims Outside the SFHA | 14 of 19 |
| Most Recent Claim | Dec 2016 · 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 6485 River Fall Dr 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 67% of the US · above 49% 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 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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