12820 Pine Crest Dr, Olive Branch, MS 38654 Property Records

DeSoto County property record for 12820 Pine Crest Dr, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	3 bd · 4,396 sqft · built 2003
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$469,100 (Sep 2021)
Tax Bill	$2,551 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2-05-3-07-01-0-00008-00`

Property Details

APN / Parcel Number

Primary APN	`2-05-3-07-01-0-00008-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,396 sqft Adjusted Area
1st Floor Area	3,221 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	108,900 sqft (2.5 acres)
Patio Area	400 sqft

Location & Zoning

Street Address	12820 PINE CREST DR
City	OLIVE BRANCH
State	MS
Zip	38654-6590
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	FOREST HILL S-D SEC A LOT 8
Legal Range	005
Legal Township	02S
Legal Section	07
Legal Subdivision	FOREST HILL S-D
Legal Lot Number	8
Jurisdiction	DESOTO MS
Township / Civil Division	1
Census Block Group	3
Census Block	3000
Census Tract	70830

Owner

12820 Pine Crest Dr is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	12820 PINE CREST DR, OLIVE BRANCH, MS 38654-6590
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Dec 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Sep 3, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2021 · Amount on File
Deed Sale	Sep 3, 2021 · Amount on File
Prior Sale	Jul 21, 2016 · Amount on File
Deed Book / Page	970 / 149
Prior Transfer Date	Dec 27, 2007
Prior Transfer Doc	000597/793
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12820 PINE CREST DR, OLIVE BRANCH, MS 38654-6590
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SYNRGO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004847/600
Date	Dec 5, 2019
Book Page	4847/600

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2034

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Sep 3, 2021
Property Address	12820 PINE CREST DR, OLIVE BRANCH, MS 38654-6590
Document Number	000970/149
Book / Page	970 / 149
Map Reference	MB 40 PG 31
Instrument Date	Aug 31, 2021
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	7421 KINGCREST CV, 7421, OLIVE BRANCH, MS 38654-1423

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12820 PINE CREST DR, OLIVE BRANCH, MS 38654-6590

Mortgage

Document Number	0005334687
Date	Sep 3, 2021
Instrument	5334/687

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 12820 Pine Crest Dr was $2,551.

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	$2,551.00	$34,572 Land $3,500 Building $31,072	$345,715 Land $35,000 Building $310,715
2023	$2,198.00	$24,987	$249,867 Land $35,000 Building $214,867

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

FEMA maps place 12820 Pine Crest Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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	2 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Jun 2019 · other causes

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 12820 Pine Crest Dr is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · above 50% of Mississippi
Wildfire Likelihood	0.1% 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 65 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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