809 Harbor Isle Cir E, Memphis, TN 38103 Property Records

Shelby County property record for 809 Harbor Isle Cir E, Memphis, TN 38103

Property Summary

Property Type	Planned Unit Development
Details	4 bd · 3 ba · 2,467 sqft · built 1998
Lot Size	0.132 acres (5,749 sqft)
Owner	2 Individual Names on File
Last Sale	$427,500 (Dec 2005)
Tax Bill	$3,649 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00-1001-A0-0124`

Property Details

APN / Parcel Number

Primary APN	`00-1001-A0-0124`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,467 sqft Living Area
Gross Area	3,013 sqft
1st Floor Area	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Old Style
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,749 sqft (0.132 acres)
Lot Dimensions	100 ft deep x 49 ft wide
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	622 sqft
Patio Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	809 HARBOR ISLE CIR E
City	MEMPHIS
State	TN
Zip	38103-0837
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	CMU-3
Legal Description	WS HARBOR ISLE CL E (PD)
Legal Subdivision	HARBOR TOWN PD PHASE 1
Legal Lot Number	124
Jurisdiction	SHELBY TN
Township / Civil Division	8
Census Block Group	3
Census Block	3024
Census Tract	100

Owner

809 Harbor Isle Cir E, a planned unit development, is owned by two individuals who bought it in December 2005.

Source: Shelby County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	809 HARBOR ISLE CIR, MEMPHIS, TN 38103
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2005 · Amount on File
Deed Sale	Dec 6, 2005 · Amount on File
Prior Sale	Apr 28, 1998 · Amount on File
Deed Document Number	2005199672
Record Updated	Sep 20, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHELBY TN
Recording Date	Jul 20, 2021
Property Address	809 HARBOR ISLE CIR E, MEMPHIS, TN 38103-0837
Document Number	0021088958
Map Reference	MB 137 PG 99
Instrument Date	Jan 14, 2021
Instrument	21088958
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 HARBOR ISLE CIR E, MEMPHIS, TN 38103-0837

Mortgage

Document Number	0021088959
Date	Jul 20, 2021
Instrument	21088959

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	175 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 809 Harbor Isle Cir E was $3,649.

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	$3,649.00	$145,500 Land $31,675 Building $113,825	$582,000 Land $126,700 Building $455,300
2023		$111,250 Land $28,025 Building $83,225
2022	$6,776.00
2021			$445,000 Land $112,100 Building $332,900

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

FEMA maps place 809 Harbor Isle Cir E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 51 policies
Nearby Flood Policies	51 in force
Nearby Flood Claims	15 (2002–2025)
Claims Outside the SFHA	4 of 15
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Apr 2025 · 14 claims

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

The area around 809 Harbor Isle Cir E has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 281 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

May also be available: AT&T.

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