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Planned Unit Development (Pud)Residential
$988,268$154 / 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 96How 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 $625,000 on Dec 21, 2018

481 RIVERS RIDGE CV

MEMPHIS, TN 38120
5
Beds
4 / 2
Baths
6,413 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.
0.61 ac
Lot SizeThe size of the land the home sits on, from county records.
2007
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
12
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$988K
$950K low$1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$625,000 · Dec 21, 2018
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.$488,268
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$390,614
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.52%
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.$500,000
FIRSTBANK · recorded Apr 24, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,260 (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.$232,725 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$64,925
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$167,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$168,750
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$930,900

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.22
39
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
33
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.Planned Unit Development (Pud)
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountySHELBY
Lot (acres)The size of the land the home sits on, from county records.0.61
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
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, Attached
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.Patio · 66 ft²Porch · 912 ft²

Transaction History(3)

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.

H
White Station High SchoolA
High · Grades 9–12 · 2.1 mi
E
Balmoral-Ridgeway Elementary SchoolB-
Elementary · Grades KG–5 · 2.6 mi
M
Ridgeway Middle SchoolD+
Middle · Grades 6–8 · 2.9 mi

District: Memphis-Shelby County Schools

Neighborhood · ZIP 38120These 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.61
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.242

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.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.37%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.13,160
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,377 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$136,784
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$200,386
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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

481 Rivers Ridge Cv 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.

  • Among the most valuable homes in Shelby County
  • Costs more per square foot than 79% of homes in Shelby County
  • Bigger than 98% of homes in Shelby County
  • Has a bigger lot than 92% of homes in Shelby County
  • Newer than 97% of homes in Memphis 38120

What homes are worth in Memphis 38120

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

This home
$86K$1.8M

This home is worth more than 90% of homes in Memphis 38120.

How it measures up in Memphis 38120

The dot is this home. The mark in the middle is the typical home in Memphis 38120.

Estimated value$988,268
CheaperTypical $418,859Pricier

Pricier than 90% of homes nearby

Price per ft²$154
CheaperTypical $155Pricier

Pricier than 49% of homes nearby

Living area6,413 ft²
SmallerTypical 2,880 ft²Bigger

Bigger than 93% of homes nearby

Lot size0.61 ac
SmallerTypical 0.32 acBigger

Bigger than 86% of homes nearby

Year built2007
OlderTypical 1973Newer

Newer than 97% of homes nearby

How 481 Rivers Ridge Cv ranks against every home in each area.
MeasureThis homeMemphis 38120Shelby County
Estimated valuepricier than$988,26890% of homesalmost all homes
Price per ft²pricier than$15449% of homes79% of homes
Living areabigger than6,413 ft²93% of homes98% of homes
Lot sizebigger than0.61 ac86% of homes92% of homes
Year builtnewer than200797% of homes94% of homes

About 481 Rivers Ridge Cv

How much is 481 Rivers Ridge Cv, Memphis, TN worth?

The TopHap Estimate for 481 Rivers Ridge Cv, Memphis, TN is $988,268 as of Jul 14, 2026. The likely range is $949,710 to $1,026,826. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 481 Rivers Ridge Cv, Memphis, TN last sell?

481 Rivers Ridge Cv, Memphis, TN last sold on Dec 21, 2018 for $625,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 481 Rivers Ridge Cv, Memphis, TN?

481 Rivers Ridge Cv, Memphis, TN has 5 bedrooms, 4 bathrooms, 6,413 square feet of living space and a 0.61-acre lot.

When was 481 Rivers Ridge Cv, Memphis, TN built?

481 Rivers Ridge Cv, Memphis, TN was built in 2007, making it 19 years old. It is a traditional/old home. The building has 1 story.

What schools serve 481 Rivers Ridge Cv, Memphis, TN?

481 Rivers Ridge Cv, Memphis, TN is assigned to White Station High School (high), rated A; Balmoral-Ridgeway Elementary School (elementary), rated B-; Ridgeway Middle School (middle), rated D+. All sit in Memphis-Shelby County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 481 Rivers Ridge Cv, Memphis, TN compare to other homes in Memphis 38120?

Among the 5,384 homes in Memphis 38120, it is worth more than 90% of them ($988,268 against a typical $418,859), its price per square foot is higher than 49% of them ($154 against a typical $155), it is bigger than 93% of them (6,413 ft² against a typical 2,880 ft²), its lot is bigger than 86% of them (0.61 ac against a typical 0.32 ac) and it is newer than 97% of them (2007 against a typical 1973). Measured against all of Shelby County, it is worth more than almost all 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 481 Rivers Ridge Cv, Memphis, TN?

The 2025 property tax bill for 481 Rivers Ridge Cv, Memphis, TN was $6,260. The county assessed it at $232,725.

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