9705 Frank Rd, Germantown, TN 38139 Property Records

Shelby County property record for 9705 Frank Rd, Germantown, TN 38139

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,541 sqft · built 2003
Lot Size	0.452 acres (19,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$532,000 (Apr 2014)
Tax Bill	$3,160 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C0-232H-A0-0025`

Property Details

APN / Parcel Number

Primary APN	`C0-232H-A0-0025`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,541 sqft Living Area
Gross Area	5,421 sqft
1st Floor Area	2,896 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Traditional
Exterior Material	Brick Veneer
Lot Area	19,700 sqft (0.452 acres)
Lot Dimensions	193 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	406 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	9705 FRANK RD
City	GERMANTOWN
State	TN
Zip	38139-8000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SS FRANK ROAD SEE MAP D2-32HA
Legal Subdivision	HOUSTON LEVEE TRACE
Legal Lot Number	25
Jurisdiction	SHELBY TN
Township / Civil Division	2
Census Block Group	2
Census Block	2015
Census Tract	21356

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9705 FRANK RD, GERMANTOWN, TN 38139-8000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2023	Deed of Trust, Mortgage · Line of Credit BANK3
Mar 1, 2021	Deed of Trust, Mortgage · Line of Credit SOUTHERN SECURITY FCU
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN SECURITY FCU
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN SEC FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2014 · Amount on Record
Deed Sale	Apr 1, 2014 · Amount on Record
Prior Sale	Dec 23, 2010 · Amount on Record
Deed Document Number	201433635
Prior Transfer Date	Mar 19, 2004
Prior Transfer Doc	0000049891
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	9705 FRANK RD, GERMANTOWN, TN 38139-8000
Transaction Type	Mortgage
Record Updated	Feb 1, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9705 FRANK RD, GERMANTOWN, TN 38139-8000

Mortgage

Document Number	0023007415
Date	Jan 26, 2023
Instrument	23007415

Lender

Name	BANK3
Type	Bank
Address	MEMPHIS, TN 38117

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	9705 FRANK RD, GERMANTOWN, TN 38139-8000
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	CLOSETRAK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003020
Date	Mar 1, 2021
Instrument	21023020

Lender

Name	SOUTHERN SECURITY FCU
Type	Credit Union
Address	COLLIERVILLE, TN 38017

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	9705 FRANK RD, GERMANTOWN, TN 38139-8000
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003114
Date	Feb 2, 2021
Instrument	21013114

Lender

Name	SOUTHERN SECURITY FCU
Type	Credit Union
Address	COLLIERVILLE, TN 38017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY TN
Property Address	9705 FRANK RD, GERMANTOWN, TN 38139-8000
Document Number	0000078292
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9705 FRANK RD GERMANTOWN TN 381398000, GERMANTOWN, TN 38139-8000

Mortgage

Document Number	0000078292
Date	Aug 2, 2019
Instrument	78292

Lender

Name	SOUTHERN SEC FCU
Type	Credit Union
Address	COLLIERVILLE, TN 38017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Tennessee
County	Shelby County
Municipality	Collierville Town
Unified School District	Collierville School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,160.00 (-58.13%)	$195,100 (+32.07%) Land $33,625 Building $161,475	$780,400 (+32.07%) Land $134,500 Building $645,900
2023		$147,725 Land $21,300 Building $126,425
2022	$7,548.00
2021			$590,900 Land $85,200 Building $505,700

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 · 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 Record median of 16 policies
Nearby Flood Policies	16 in force

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 96% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GERMANTOWN WATER DEPT serves 37,738 people · EPA ID TN0000262
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2023–2025) action level 15 ppb
Copper	1.5 mg/L (2019) action level 1.3 mg/L

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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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