197 Beale Street, Memphis
technical data · neighborhood and transit
Quick answers
- What is the 2026 conforming loan limit in Shelby County?
- $832,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- Is radon a problem here?
- EPA radon zone 3, low potential.
- What natural disasters is 197 Beale Street at risk for?
- FEMA's National Risk Index rates the area relatively high overall, with elevated earthquake and tornado risk.
Safety and environment
FEMA natural hazard risk
Relatively High
Highest for this area: earthquake, tornado, heat wave, cold wave. These drive insurance cost here.
FEMA National Risk Index, census tract
Leaking fuel tanks
12 within 1,650 ft
Nearest: Peabody Place Development, Second And Gayosa (950 ft), no further action. Every release here is closed by the state regulator.
EPA UST Finder, leaking underground storage tank releases
Brownfield site
1,350 ft
272 S Main Street and 3 more within half a mile. Former industrial land in EPA's cleanup and reuse program.
EPA ACRES Brownfields
Toxic release facility
3,400 ft
River City Chrome Inc and 4 more within a mile. Reports chemical releases to air, water or land to EPA each year.
EPA Toxics Release Inventory
Radon potential
Low
Geology here keeps indoor radon low on average.
EPA and USGS Geologic Radon Potential Map
Nearest public schools
2,200 ft
Downtown Elementary (2,200 ft), Memphis Grizzlies Preparatory Charter School (2,800 ft), B. T. Washington High (4,500 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Conforming loan limit 2026
$832,750
Shelby County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
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More on Beale Street
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What's worth checking in person before deciding.
- The building has commercial space on the ground floor. Ask about their hours, check where the ventilation or refrigeration units are, and what time deliveries happen in the morning.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- Knock on a neighboring door and ask two things: what bothers them most often, and what work is planned for the building.
- Look at the stairwell (cleanliness, smell) and the association's notice board: unpaid dues, conflicts, recent decisions.
- Ask for the latest maintenance bill from a winter month, not a summer one: that's where the real cost of living there shows up.
- Ask specifically where you'd park: is there paid city parking, who currently holds it, what the permit costs, and how long the waitlist is.
- Schedule a viewing on a weekday too, between 6:00 and 7:30 PM, the window when the building is busiest: neighbors, parking, elevator.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.