1205 Ross Rd, Olive Branch, MS 38654 Property Records

DeSoto County property record for 1205 Ross Rd, Olive Branch, MS 38654

Property Summary

Property Type	Vacant Land
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Tax Bill	$187 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2-06-9-29-00-0-00020-01`

Property Details

APN / Parcel Number

Primary APN	`2-06-9-29-00-0-00020-01`

Interior

Interior Walls	Wallboard/Drywall

Exterior

Roof Type	Gable
Lot Area	130,680 sqft (3 acres)

Location & Zoning

Street Address	1205 ROSS RD
City	OLIVE BRANCH
State	MS
Zip	38654-8964
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	A-R
Legal Description	PT S1/2 SE1/4 S 1/2 SE 1/4
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2011
Census Tract	70722

Owner

1205 Ross Rd, vacant land, is owned and occupied by an individual who acquired it in August 2023.

Source: DeSoto County records, as of December 22, 2025

Owner of Record	Individual Name on File
Mailing Address	1205 ROSS RD, OLIVE BRANCH, MS 38654-8964
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Jan 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage ACOPIA LLC
Apr 26, 2024	Deed of Trust, Mortgage · Construction Mortgage SOUTHERN BANCORP BANK
Aug 23, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 23, 2023
Transfer Doc	1023/15256
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1205 ROSS RD, OLIVE BRANCH, MS 38654-8964
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 ROSS RD, OLIVE BRANCH, MS 38654-8964

Mortgage

Document Number	5663/25110
Date	Mar 11, 2026
Book Page	5663/25110

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Mar 31, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1205 ROSS RD, OLIVE BRANCH, MS 38654-8964
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 ROSS RD, OLIVE BRANCH, MS 38654-8960

Mortgage

Document Number	05662/7839
Date	Jan 31, 2025
Book Page	5662/7839

Lender

Name	ACOPIA LLC
Type	Mortgage Company
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1205 ROSS RD, OLIVE BRANCH, MS 38654-8964
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 STAR CV, BYHALIA, MS 38611-6916

Mortgage

Document Number	5661/37397
Date	Apr 26, 2024
Book Page	5661/37397

Lender

Name	SOUTHERN BANCORP BANK
Type	Bank
Address	ARKADELPHIA, AR 71923

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 25, 2025

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 23, 2023
Property Address	1205 ROSS RD, OLIVE BRANCH, MS 38654-8964
Document Number	1023/15256
Book / Page	1023 / 15256
Instrument Date	Aug 21, 2023
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1031 ROSS RD, OLIVE BRANCH, MS 38654-8960

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 ROSS RD, OLIVE BRANCH, MS 38654-8960

Tax Assessment & Valuation

The 2025 property tax bill for 1205 Ross Rd was $187.

Source: DeSoto County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$187.00	$2,250 Land $2,250	$15,000 Land $15,000

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

Flood

FEMA maps place 1205 Ross Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Wildfire risk around 1205 Ross Rd is moderate, ranking above 54% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · above 64% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 34 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	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ross Rd

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