6546 Split Oak Dr, Memphis, TN 38115 Property Records

Shelby County property record for 6546 Split Oak Dr, Memphis, TN 38115

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,516 sqft · built 1974
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Mar 2019)
Tax Bill	$1,243 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage Sep 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-3504-A0-0003`

Property Details

APN / Parcel Number

Primary APN	`09-3504-A0-0003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,516 sqft Living Area
Gross Area	2,957 sqft
1st Floor Area	1,298 sqft
Utility Area	88 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	50 sqft
Deck Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	6546 SPLIT OAK DR
City	MEMPHIS
State	TN
Zip	38115-3706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RU-1
Legal Description	NS SPLIT OAK DR SEE MAP GRID# 179M, 198D
Legal Subdivision	KIRBY MEADOWS SEC A
Legal Lot Number	79
Jurisdiction	SHELBY TN
Township / Civil Division	12
Census Block Group	2
Census Block	2001
Census Tract	21756

Owner

Source: Shelby County records, as of July 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	6546 SPLIT OAK DR, MEMPHIS, TN 38115-3706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2019	Warranty Deed, Transfer NAVY FCU
Sep 6, 2018	Warranty Deed, Transfer UNITY TITLE GROUP LLC, QUALITY TITLE GRP LLC
May 30, 2014	Loan Modification, Mortgage · Conventional with PMI CITIMORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2019 · Amount on Record
Deed Sale	Mar 27, 2019 · Amount on Record
Prior Sale	Sep 6, 2018 · Amount on Record
Deed Document Number	201929024
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Mar 27, 2019
Property Address	6546 SPLIT OAK DR, MEMPHIS, TN 38115-3706
Document Number	0000029024
Instrument Date	Mar 25, 2019
Instrument	29024
Transaction Type	Transfer
Record Updated	Apr 11, 2019
Title Company	UNITY TITLE GROUP LLC, QUALITY TITLE GRP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$592.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6546 SPLIT OAK DR MEMPHIS TN 381153706, MEMPHIS, TN 38115-3706

Mortgage

Document Number	29025
Date	Mar 27, 2019
Instrument	29025

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Sep 6, 2018
Property Address	6546 SPLIT OAK DR, MEMPHIS, TN 38115-3706
Document Number	0000091504
Instrument Date	Sep 4, 2018
Instrument	91504
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	UNITY TITLE GROUP LLC, QUALITY TITLE GRP LLC

Transaction

Amount	Amount Recorded
Tax	$388.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	6546 SPLIT OAK DR MEMPHIS TN 381153706, MEMPHIS, TN 38115-3706

May 2014: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHELBY TN
Property Address	6546 SPLIT OAK DR, MEMPHIS, TN 38115-3706
Document Number	0000087636
Instrument Date	May 30, 2014
Transaction Type	Mortgage
Record Updated	Aug 31, 2017
Title Company	DOCUMENT RECORDING SERVICES, DOCUMENT RECORDING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6546 SPLIT OAK DR MEMPHIS TN 381153706, MEMPHIS, TN 38115-3706

Mortgage

Document Number	0000087636
Date	Aug 25, 2017
Instrument	87636

Lender

Name	CITIMORTGAGE
Type	Mortgage Company
Address	O FALLON, MO 63368

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	444 Months
Due	Aug 24, 2054

Interest

Rate Type	Fixed Rate
Rate	4.62%

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	$1,243.00 (-48.34%)	$46,225 (+17.03%) Land $5,825 Building $40,400	$184,900 (+17.03%) Land $23,300 Building $161,600
2023		$39,500 Land $5,300 Building $34,200
2022	$2,406.00
2021			$158,000 Land $21,200 Building $136,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.8% of the US · lower than 99.8% 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.

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 305 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Gigafy.

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