990 Gary St, Memphis, TN 38122 Property Records

Shelby County property record for 990 Gary St, Memphis, TN 38122

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,614 sqft · built 1957
Lot Size	0.174 acres (7,565 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Dec 2021)
Tax Bill	$1,238 (2025)
Deeds & Mortgages	Nov 2021 Sale Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-3045-0-0014`

Property Details

APN / Parcel Number

Primary APN	`06-3045-0-0014`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,614 sqft Living Area
1st Floor Area	1,614 sqft
Utility Area	45 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1988
Architectural Style	Traditional
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,565 sqft (0.174 acres)
Lot Dimensions	136 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	258 sqft
Carport	Carport
Carport Area	258 sqft
Parking Spaces	1 Parking Space
Patio Area	81 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	990 GARY ST
City	MEMPHIS
State	TN
Zip	38122-1927
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	44
Jurisdiction	SHELBY TN
Township / Civil Division	13
Census Block Group	1
Census Block	1017
Census Tract	9800

Owner

990 Gary St is owned by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	6471 STAGE RD, BARTLETT, TN 38134-3807
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

Date	Document
Nov 30, 2021	Warranty Deed, Transfer CLOSETRAK LLC, CLOSETRAK
Dec 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST SOUTH FINANCIAL CU
Feb 3, 2020	Warranty Deed, Transfer · FHA Mortgage COMMUNITY MTG
Jan 3, 2018	Loan Modification, Mortgage · Line of Credit INSOUTH BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021 · Amount on File
Deed Sale	Dec 1, 2021 · Amount on File
Prior Sale	Nov 30, 2021 · Amount on File
Deed Document Number	2021147976
Prior Transfer Date	Mar 3, 2008
Prior Transfer Doc	0000085042
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Nov 30, 2021
Property Address	990 GARY ST, MEMPHIS, TN 38122-1927
Document Number	0021147906
Instrument Date	Nov 23, 2021
Instrument	21147906
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	CLOSETRAK LLC, CLOSETRAK

Transaction

Amount	Amount on Record
Tax	$610.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6471 STAGE RD, BARTLETT, TN 38134-2848
Investor	Possibly a Property Investor

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Dec 1, 2021
Property Address	990 GARY ST, MEMPHIS, TN 38122-1927
Document Number	0021147976
Map Reference	MB 21 PG 73
Instrument Date	Nov 23, 2021
Instrument	21147976
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6471 STAGE RD, BARTLETT, TN 38134-2848
Investor	Possibly a Property Investor

Mortgage

Document Number	0021147977
Date	Dec 1, 2021
Instrument	21147977

Lender

Name	FIRST SOUTH FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2041

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY TN
Recording Date	Feb 3, 2020
Property Address	990 GARY ST, MEMPHIS, TN 38122-1927
Document Number	0000012037
Instrument Date	Jan 31, 2020
Instrument	12037
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$433.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	990 GARY ST MEMPHIS TN 381221927, MEMPHIS, TN 38122-1927

Mortgage

Document Number	12038
Date	Feb 3, 2020
Instrument	12038

Lender

Name	COMMUNITY MTG
Type	Mortgage Company
Address	CORDOVA, TN 38018

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2050

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHELBY TN
Property Address	990 GARY ST, MEMPHIS, TN 38122-1927
Document Number	0000018955
Instrument Date	Jan 3, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	990 GARY ST MEMPHIS TN 381221927, MEMPHIS, TN 38122-1927

Mortgage

Document Number	0000018955
Date	Feb 28, 2018
Instrument	18955

Lender

Name	INSOUTH BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 27, 2023

Interest

Rate Type	Adjustable Rate
Rate	5.25%

Tax Assessment & Valuation

The 2025 property tax bill for 990 Gary St was $1,238.

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	$1,238.00	$46,050 Land $4,875 Building $41,175	$184,200 Land $19,500 Building $164,700
2023		$30,050 Land $3,075 Building $26,975
2022	$1,830.00
2021			$120,200 Land $12,300 Building $107,900

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 990 Gary St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 990 Gary St 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 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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