10550 Lafayette Dr, Olive Branch, MS 38654 Property Records

DeSoto County property record for 10550 Lafayette Dr, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,237 sqft · built 1985
Lot Size	0.262 acres (11,405 sqft)
Owner	Individual Name on Record
Tax Bill	$950 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-06-1-11-01-0-00201-00`

Property Details

APN / Parcel Number

Primary APN	`2-06-1-11-01-0-00201-00`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,237 sqft Adjusted Area
1st Floor Area	1,112 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,405 sqft (0.262 acres)
Lot Dimensions	140 ft deep x 80 ft wide

Location & Zoning

Street Address	10550 LAFAYETTE DR
City	OLIVE BRANCH
State	MS
Zip	38654-7780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	CHATEAU RIDGE SD LOT 201
Legal Range	006
Legal Township	02S
Legal Section	11
Legal Subdivision	CHATEAU RIDGE SD
Legal Lot Number	201
Jurisdiction	DESOTO MS
Township / Civil Division	1
Census Block Group	2
Census Block	2005
Census Tract	70721

Owner

Source: DeSoto County records, as of December 23, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10550 LAFAYETTE DR, OLIVE BRANCH, MS 38654-7780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED HOUSING INC
Jan 30, 2023	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK
Sep 26, 2022	Warranty Deed, Transfer NOT AVAILABLE, GUARDIAN TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2023
Deed Sale	Jan 30, 2023
Prior Sale	Sep 26, 2022
Deed Book / Page	1023 / 986
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	10550 LAFAYETTE DR, OLIVE BRANCH, MS 38654-7780
Transaction Type	Mortgage
Record Updated	Feb 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	05660/3649
Date	Jan 30, 2023
Book Page	5660/3649

Lender

Name	UNITED HOUSING INC
Type	Non-Lending Institution
Address	MEMPHIS, TN 38118

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 30, 2023
Property Address	10550 LAFAYETTE DR, OLIVE BRANCH, MS 38654-7780
Document Number	001023/986
Book / Page	1023 / 986
Map Reference	MB 14 PG 47-50
Instrument Date	Jan 30, 2023
Transaction Type	Transfer
Record Updated	Feb 16, 2023
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95 PRATHER ST, BYHALIA, MS 38611-7009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10550 LAFAYETTE DR, OLIVE BRANCH, MS 38654-7780

Mortgage

Document Number	0056603635
Date	Jan 30, 2023
Instrument	5660/3635

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Sep 26, 2022
Property Address	10550 LAFAYETTE DR, OLIVE BRANCH, MS 38654-7780
Document Number	001012/800
Book / Page	1012 / 800
Map Reference	MB 14 PG 47-50
Instrument Date	Sep 23, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10550 LAFAYETTE DR, 10550, OLIVE BRANCH, MS 38654-7780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 PRATHER ST, BYHALIA, MS 38611-7009

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Municipality	Olive Branch City
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$950.00 (+25%)	$8,207 (+47.21%) Land $1,000 Building $7,207	$82,068 (+47.2%) Land $10,000 Building $72,068
2023	$760.00	$5,575	$55,751 Land $10,000 Building $45,751

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (2013–2025)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2025 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 82% of Mississippi
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF OLIVE BRANCH serves 54,025 people · EPA ID MS0170015
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jan 2010
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Northcentral Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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