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946 E Raines Rd, Memphis, TN 38116 Property Records

Shelby County property record for 946 E Raines Rd, Memphis, TN 38116

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,900 sqft · built 1951
Lot Size0.378 acres (16,446 sqft)
OwnerIndividual Name on Record
Last Sale$45,000 (Jul 2004)
Tax Bill$778 (2025)
Deeds & MortgagesMay 2018 Loan Modification
Apr 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN07-7028-0-0012

Property Details

APN / Parcel Number

Primary APN07-7028-0-0012

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area1,900 sqft Living Area
1st Floor Area950 sqft
Utility Area72 sqft

Exterior

Year BuiltBuilt 1951
Effective Year BuiltEffective 1951
Architectural StyleCottage
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area16,446 sqft (0.378 acres)
Lot Dimensions169 ft deep x 100 ft wide
Garage TypeCarport
Garage Area216 sqft
CarportCarport
Carport Area216 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area28 sqft
Patio Area162 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address946 E RAINES RD
CityMEMPHIS
StateTN
Zip38116-6323
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-10
Legal SubdivisionLACEY MOSBYS WHITEHAVEN PARK
Legal Lot Number9
JurisdictionSHELBY TN
Township / Civil Division9
Census Block Group2
Census Block2004
Census Tract22500

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address946 E RAINES RD, 100, MEMPHIS, TN 38116-6323
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 17, 2018Loan Modification, Mortgage · FHA Mortgage
JP MORGAN CHASE BK
Apr 11, 2018Deed of Trust, Mortgage · Conventional Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 13, 2004 · Amount on Record
Deed SaleJul 13, 2004 · Amount on Record
Prior SaleJan 12, 2004 · Amount on Record
Deed Document Number2004115279
Record UpdatedOct 29, 2026

May 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSHELBY TN
Property Address946 E RAINES RD, MEMPHIS, TN 38116-6323
Document Number0000050810
Instrument DateMay 17, 2018
Transaction TypeMortgage
Record UpdatedJan 12, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address946 E RAINES RD MEMPHIS TN 381166323, MEMPHIS, TN 38116-6323

Mortgage

Document Number0000050810
DateMay 24, 2018
Instrument50810
Lender
NameJP MORGAN CHASE BK
TypeBank
AddressCOLUMBUS, OH 43219-6009
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 23, 2048
Interest
Rate3.87%

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSHELBY TN
Property Address946 E RAINES RD, MEMPHIS, TN 38116-6323
Document Number0000050815
Instrument DateApr 11, 2018
Transaction TypeMortgage
Record UpdatedMay 31, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address946 E RAINES RD MEMPHIS TN 381166323, MEMPHIS, TN 38116-6323

Mortgage

Document Number0000050815
DateMay 24, 2018
Instrument50815
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 23, 2048

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of June 2, 2026

Property Jurisdictions

TypeName
StateTennessee
CountyShelby County
MunicipalityMemphis City
Unified School DistrictShelby County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$778.00 (-32.82%)$28,925 (+52.04%) Land $4,350 Building $24,575$115,700 (+52.04%) Land $17,400 Building $98,300
2023$19,025 Land $3,400 Building $15,625
2022$1,158.00
2021$76,100 Land $13,600 Building $62,500

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 98% of the US · lower than 98.3% of Tennessee
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemMEMPHIS LIGHT, GAS, & WATER
serves 659,500 people · EPA ID TN0000450
Water SourceGroundwater
Last State InspectionApr 2024
Lead5 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 262 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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