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7118 McVay Rd, Germantown, TN, 38138

5beds
3baths
2,767sqft
$394,900
$143price/sqft
$2,807/moest. monthly cost
$112,280/yrincome needed

About This Home

Spacious and updated, this corner-lot home offers a thoughtfully designed floor plan with room for everyone. The main level features a formal living room, formal dining room, inviting den, and two bedrooms downstairs. Upstairs you'll find three additional bedrooms plus a large bonus room, providing exceptional flexibility for a growing family, guests, or a home office. Recent improvements include fresh interior paint, new carpet, updated bathroom vanities, and a renovated kitchen. Water heater is 3 years old and furnace is approximately 5 years. Complete with a 2-car garage, fenced back yard and an abundance of living space, this move-in ready home combines comfort, functionality, and style in one exceptional package.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

8/10
Riverdale K-8 SchoolGrades PK-81.3 mi
9/10
Houston High SchoolGrades 9-125.0 mi

Construction

Condition

  • Year built: 1970

Materials

  • Construction materials: Brick Veneer

Type & Style

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

Interior

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedroom4

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Separate Dining Room

Features

  • 1 or More BR Down,Primary Down,Primary Up,Renovated Bathroom,Full Bath Down,Dining Room,Den/Great Room,Kitchen,Primary Bedroom,1 Bath,Square Feet Source: AutoFill (MAARdata) or Public Records (Cnty Assessor Site)
  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: In Den/Great Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,767 sqft

Kitchen

  • Features: Updated/Renovated Kitchen,Eat-in Kitchen,Pantry

Living Room

  • Features: Great Room

Master Bathroom

  • Features: Tile Floor

Master Bedroom

  • Level: First,Second

Property

Details

  • Parcel number: G0230V C00006

Features

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

Lot

  • Lot size: 0.34 Acres
  • Features: Some Trees
  • Lot size dimensions: 110 x 135

Parking

  • Total spaces: 2
  • Parking features: Driveway/Pad,Garage Faces Side
  • Has garage: Yes
  • Covered spaces: 2
  • 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
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Earthquake
Inland Flooding

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 $1,996$23,952
Home Insurance $268$3,216
Property Taxes $319$3,828
Electricity $224$2,697
Total$2,807$33,684

Income You'd Need if You Spent...

35% on housing$96,240/yr
40% on housing$84,210/yr
45% on housing$74,853/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

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 38138$173
Shelby County$117

vs Homes Sold Last Month

Median $/sqft

ZIP 38138$163
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
2026-07-22Price change$394,900
2026-06-30Listed for sale$399,900

For Sale by Agent

AgentMeatha Haynes Tapley
BrokerageCrye-Leike, Inc., REALTORS

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