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Single Family ResidenceResidential
$255,666$177 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $195,000 on Jun 6, 2017

686 ROSEMARY LN

MEMPHIS, TN 38104
2
Beds
2
Baths
1,441 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1941
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$256K
$242K low$269K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$195,000 · Jun 6, 2017
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$55,343
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$44,274
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.70%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$191,468
MORTGAGE INVTRS · recorded Jun 6, 2017
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$8,855
HUD-HOUSING/URBAN DEV

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,827 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$67,925 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$25,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$42,625
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$65,125
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$271,700

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.6
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
1
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Cottage
CountySHELBY
Lot (acres)The size of the land the home sits on, from county records.0.22
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 138 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Bellevue Middle SchoolC
Middle · Grades 6–8 · 0.6 mi
H
Central High SchoolC
High · Grades 9–12 · 0.6 mi
E
Bruce Elementary SchoolC+
Elementary · Grades PK–5 · 0.7 mi

District: Memphis-Shelby County Schools

Neighborhood · ZIP 38104These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.151
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.133
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.286

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.30%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.22,230
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,273 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,608
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,406
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

686 Rosemary Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 86% of homes in Central Gardens
  • Costs more per square foot than 90% of homes in Shelby County
  • Smaller than 88% of homes in Central Gardens
  • Has a bigger lot than 81% of homes in Memphis 38104
  • Older than 91% of homes in Shelby County

What homes are worth in Memphis 38104

Each bar is how many homes fall in that price range. The marker is this home.

This home
$58K$923K

This home is worth more than 47% of homes in Memphis 38104.

How it measures up in Memphis 38104

The dot is this home. The mark in the middle is the typical home in Memphis 38104.

Estimated value$255,666
CheaperTypical $263,500Pricier

Pricier than 47% of homes nearby

Price per ft²$177
CheaperTypical $150Pricier

Pricier than 77% of homes nearby

Living area1,441 ft²
SmallerTypical 1,909 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.22 ac
SmallerTypical 0.17 acBigger

Bigger than 81% of homes nearby

Year built1941
OlderTypical 1922Newer

Newer than 72% of homes nearby

How 686 Rosemary Ln ranks against every home in each area.
MeasureThis homeCentral GardensMemphis 38104Shelby County
Estimated valuepricier than$255,66614% of homes47% of homes61% of homes
Price per ft²pricier than$17771% of homes77% of homes90% of homes
Living areabigger than1,441 ft²12% of homes31% of homes37% of homes
Lot sizebigger than0.22 ac73% of homes81% of homes46% of homes
Year builtnewer than194181% of homes72% of homes9% of homes

About 686 Rosemary Ln

How much is 686 Rosemary Ln, Memphis, TN worth?

The TopHap Estimate for 686 Rosemary Ln, Memphis, TN is $255,666 as of Jul 14, 2026. The likely range is $242,010 to $269,322. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 686 Rosemary Ln, Memphis, TN last sell?

686 Rosemary Ln, Memphis, TN last sold on Jun 6, 2017 for $195,000, according to the county's recorded deed.

How big is 686 Rosemary Ln, Memphis, TN?

686 Rosemary Ln, Memphis, TN has 2 bedrooms, 2 bathrooms, 1,441 square feet of living space and a 0.22-acre lot.

When was 686 Rosemary Ln, Memphis, TN built?

686 Rosemary Ln, Memphis, TN was built in 1941, making it 85 years old. It is a cottage home. The building has 1 story.

What schools serve 686 Rosemary Ln, Memphis, TN?

686 Rosemary Ln, Memphis, TN is assigned to Bellevue Middle School (middle), rated C; Central High School (high), rated C; Bruce Elementary School (elementary), rated C+. All sit in Memphis-Shelby County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 686 Rosemary Ln, Memphis, TN compare to other homes in Memphis 38104?

Among the 6,615 homes in Memphis 38104, it is worth more than 47% of them ($255,666 against a typical $263,500), its price per square foot is higher than 77% of them ($177 against a typical $150), it is bigger than 31% of them (1,441 ft² against a typical 1,909 ft²), its lot is bigger than 81% of them (0.22 ac against a typical 0.17 ac) and it is newer than 72% of them (1941 against a typical 1922). Measured against all of Shelby County, it is worth more than 61% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 686 Rosemary Ln, Memphis, TN?

The 2025 property tax bill for 686 Rosemary Ln, Memphis, TN was $1,827. The county assessed it at $67,925.

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