Shelby County property record for 78 E Lafayette Cir, Memphis, TN 38111
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,492 sqft · built 1942 |
| Lot Size | 0.166 acres (7,228 sqft) |
| Owner | Individual Name on File |
| Last Sale | $132,500 (Jan 2005) |
| Tax Bill | $1,827 (2025) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Mar 2024 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-5091-0-0105 |
| Primary APN | 04-5091-0-0105 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,492 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Brick Veneer |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,228 sqft (0.166 acres) |
| Lot Dimensions | 144 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 260 sqft |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Deck Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 78 E LAFAYETTE CIR |
|---|---|
| City | MEMPHIS |
| State | TN |
| Zip | 38111-3412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-6 |
| Legal Description | ES EAST LAFAYETTE CIRCLE |
| Legal Subdivision | LAFAYETTE CIRCLE |
| Legal Lot Number | 15 |
| Jurisdiction | SHELBY TN |
| Township / Civil Division | 13 |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 7200 |
78 E Lafayette Cir is owned and occupied by an individual who bought it in January 2005.
Source: Shelby County records, as of June 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 78 E LAFAYETTE CIR, MEMPHIS, TN 38111-3412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 2, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Mar 6, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Nov 8, 2021 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Jan 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 5, 2005 · Amount on File |
| Deed Sale | Jan 5, 2005 · Amount on File |
| Prior Sale | Sep 8, 2000 · Amount on File |
| Deed Document Number | 20052618 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 78 E LAFAYETTE CIR, MEMPHIS, TN 38111-3412 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0026015532 |
|---|---|
| Date | Mar 2, 2026 |
| Instrument | 26015532 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 78 E LAFAYETTE CIR, MEMPHIS, TN 38111-3412 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0024018621 |
|---|---|
| Date | Mar 6, 2024 |
| Instrument | 24018621 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 78 E LAFAYETTE CIR, MEMPHIS, TN 38111-3412 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 78 E LAFAYETTE CIR, MEMPHIS, TN 38111-3412 |
| Document Number | 0021139536 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 21139536 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38117 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 238 Months |
| Due | Sep 24, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 78 E LAFAYETTE CIR, MEMPHIS, TN 38111-3412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001173 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 21011173 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY TN |
| Property Address | 78 E LAFAYETTE CIR, MEMPHIS, TN 38111-3412 |
| Document Number | 0000029564 |
| Instrument Date | Mar 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 78 E LAFAYETTE CIR MEMPHIS TN 381113412, MEMPHIS, TN 38111-3412 |
| Document Number | 0000029564 |
|---|---|
| Date | Mar 24, 2017 |
| Instrument | 29564 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 23, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
The 2025 property tax bill for 78 E Lafayette Cir was $1,827.
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 | $1,827.00 | $67,925 Land $12,350 Building $55,575 | $271,700 Land $49,400 Building $222,300 |
| 2023 | $49,575 Land $8,225 Building $41,350 | ||
| 2022 | $3,019.00 | ||
| 2021 | $198,300 Land $32,900 Building $165,400 |
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 78 E Lafayette Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2010.
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 | 4 (2010) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jul 2010 · rainfall accumulation |
| Claims by Event |
|
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 78 E Lafayette Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 531 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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