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1165 Rayner St, Memphis, TN, 38106

3beds
1baths
1,334sqft
$125,000
$94price/sqft
$1,290/moest. monthly cost
$51,600/yrincome needed

About This Home

Getting Around

47
WalkingCar-Dependent
34
TransitSome Transit
45
BikeSomewhat Bikeable

Schools

4/10
Hamilton SchoolGrades PK-80.7 mi
3/10
Hamilton High SchoolGrades 9-121.0 mi
4/10
Rozelle Elementary SchoolGrades PK-50.4 mi

Construction

Condition

  • Year built: 1916

Materials

  • Construction materials: Stucco,Wood/Composition

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Other (See REMARKS)

Bedroom2

  • Level: First

Bedroom3

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • All Bedrooms Down,Full Bath Down,Square Feet Source: AutoFill (MAARdata) or Public Records (Cnty Assessor Site)
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Other (See REMARKS)
  • Cooling features: Other (See REMARKS)

Interior Area

  • Total interior livable area: 1,334 sqft

Living Room

  • Features: Separate Living Room

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 031005 00015

Features

  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch

Lot

  • Lot size: 9,583 sqft
  • Features: Some Trees
  • Lot size dimensions: 50 x 197

Parking

  • Parking features: Driveway/Pad
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Heat Wave
Tornado

FEMA Declared Disasters Across Tennessee Counties

Flood
Freezing
Severe Ice Storm
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $632$7,584
Home Insurance $382$4,584
Property Taxes $101$1,212
Electricity $175$2,103
Total$1,290$15,480

Income You'd Need if You Spent...

35% on housing$44,228/yr
40% on housing$38,700/yr
45% on housing$34,400/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.5%
6.5%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$94This listing

vs Other Active Listings

Avg $/sqft

ZIP 38106$38
Shelby County$117

vs Homes Sold Last Month

Median $/sqft

ZIP 38106$54
Shelby County$132

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-16Listed for sale$125,000
2024-06-04Sold$84,000
2010-12-20Sold$25,000
2007-05-23Sold$12,500
2002-12-30Sold$54,291

For Sale by Agent

AgentLeaser A Coleman
BrokerageEmpire Realty, LLC

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