989 Gary St, Memphis, TN 38122 Property Records

Shelby County property record for 989 Gary St, Memphis, TN 38122

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,080 sqft · built 1958
Lot Size	0.17 acres (7,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Sep 2020)
Tax Bill	$1,208 (2025)
Deeds & Mortgages	Jan 2024 Transfer Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-3046-0-0004`

Property Details

APN / Parcel Number

Primary APN	`06-3046-0-0004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,080 sqft Living Area
Gross Area	2,296 sqft
1st Floor Area	1,520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,394 sqft (0.17 acres)
Lot Dimensions	130 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	198 sqft
Carport	Carport
Carport Area	198 sqft
Parking Spaces	6 Parking Spaces
Porch	Enclosed Frame Porch
Porch Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	989 GARY ST
City	MEMPHIS
State	TN
Zip	38122-1928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-6
Legal Subdivision	AVON GARDENS 2ND ADDN S/D
Legal Lot Number	37
Jurisdiction	SHELBY TN
Township / Civil Division	13
Census Block Group	1
Census Block	1016
Census Tract	9800

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	989 GARY ST, MEMPHIS, TN 38122-1928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Intrafamily Transfer, Transfer
Sep 1, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Prior Sale	Jun 19, 2012 · Amount on Record
Deed Document Number	202093200
Last Transfer Date	Jan 18, 2024
Transfer Doc	0000007399
Record Updated	Oct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHELBY TN
Recording Date	Jan 29, 2024
Property Address	989 GARY ST, MEMPHIS, TN 38122-1928
Document Number	0024007399
Map Reference	MB 21 PG 73
Instrument Date	Jan 18, 2024
Instrument	24007399
Transaction Type	Transfer
Record Updated	Feb 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	989 GARY ST, MEMPHIS, TN 38122-1928

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Sep 1, 2020
Property Address	989 GARY ST, MEMPHIS, TN 38122-1928
Document Number	0000093200
Instrument Date	Aug 28, 2020
Instrument	93200
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	EDCO TITLE AND CLOSING SERVICES, EDCO TITLE & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	989 GARY ST MEMPHIS TN 381221928, MEMPHIS, TN 38122-1928

Mortgage

Document Number	93201
Date	Sep 1, 2020
Instrument	93201

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2050

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	$1,208.00 (-31.6%)	$44,925 (+54.91%) Land $4,875 Building $40,050	$179,700 (+54.91%) Land $19,500 Building $160,200
2023		$29,000 Land $3,050 Building $25,950
2022	$1,766.00
2021			$116,000 Land $12,200 Building $103,800

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 · 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	2 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 98% of the US · lower than 98.3% 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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