12681 Pebble Ridge Dr, Byhalia, MS 38611 Property Records

DeSoto County property record for 12681 Pebble Ridge Dr, Byhalia, MS 38611

Property Summary

Property Type	Single Family Home
Details	4 bd · 4,625 sqft · built 2019
Lot Size	2.33 acres (101,495 sqft)
Owner	2 Individual Names on Record
Last Sale	$413,300 (Jul 2019)
Tax Bill	$3,632 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jan 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-05-3-07-02-0-00022-00`

Property Details

APN / Parcel Number

Primary APN	`3-05-3-07-02-0-00022-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	4,625 sqft Adjusted Area
1st Floor Area	2,809 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Shingle
Lot Area	101,495 sqft (2.33 acres)

Location & Zoning

Street Address	12681 PEBBLE RIDGE DR
City	BYHALIA
State	MS
Zip	38611-4403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	RED BANKS ROAD SEC B LOT 22
Legal Range	005
Legal Township	03S
Legal Section	07
Legal Subdivision	RED BANKS ROAD SEC B
Legal Lot Number	22
Jurisdiction	DESOTO MS
Township / Civil Division	1
Census Block Group	2
Census Block	2023
Census Tract	70900

Owner

Source: DeSoto County records, as of May 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	12681 PEBBLE RIDGE DR, BYHALIA, MS 38611-4403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · Line of Credit NEWREZ LLC
Jan 31, 2019	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Jul 11, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jan 31, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2019 · Amount on Record
Deed Sale	Jul 11, 2019 · Amount on Record
Deed Book / Page	893 / 85
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12681 PEBBLE RIDGE DR, BYHALIA, MS 38611-4403
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12681 PEBBLE RIDGE DR, BYHALIA, MS 38611-4403

Mortgage

Document Number	5662/98158
Date	Sep 26, 2025
Book Page	5662/98158

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12681 PEBBLE RIDGE DR, BYHALIA, MS 38611-4403
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004672/076
Date	Jan 31, 2019
Book Page	4672/076

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Jul 30, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 11, 2019
Property Address	12681 PEBBLE RIDGE DR, BYHALIA, MS 38611-4403
Document Number	000893/085
Book / Page	0893 / 085
Map Reference	MB 119 PG 41-44
Instrument Date	Jul 8, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 29, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1990 GREEN PORT DR, 1990, HERNANDO, MS 38632-7274

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12681 PEBBLE RIDGE DRIVE, HERNANDO, MS 38632

Mortgage

Document Number	0004759577
Date	Jul 11, 2019
Instrument	4759/577

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 31, 2019
Property Address	12681 PEBBLE RIDGE DR, BYHALIA, MS 38611-4403
Document Number	000878/789
Book / Page	0878 / 789
Map Reference	MB 119 PG 41-44
Instrument Date	Jan 30, 2019
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6311 AUTUMN VALLEY DR, OLIVE BRANCH, MS 38654-9337

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1990 GREEN PORT DR, HERNANDO, MS 38632-7274
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 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	$3,632.00 (+16.26%)	$47,667 (+39.18%) Land $4,000 Building $43,667	$476,672 (+39.18%) Land $40,000 Building $436,672
2023	$3,124.00	$34,248	$342,484 Land $40,000 Building $302,484

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	7 in force
Nearby Flood Claims	5 (2011–2023)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jan 2023 · other causes
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding, Apr 2011 · 3 claims

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	Moderate above 63% of the US · above 81% 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.

Drinking Water

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

Water System	LEWISBURG WATER ASSOCIATION public/private · serves 9,390 people · EPA ID MS0170011
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Northcentral Connect Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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