12911 Pebble Ridge Dr, Byhalia, MS 38611 Property Records

DeSoto County property record for 12911 Pebble Ridge Dr, Byhalia, MS 38611

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,138 sqft · built 2018
Lot Size	2.66 acres (115,870 sqft)
Owner	Individual Name on File
Tax Bill	$2,591 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-05-3-07-02-0-00016-00`

Property Details

APN / Parcel Number

Primary APN	`3-05-3-07-02-0-00016-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,138 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	115,870 sqft (2.66 acres)
Garage Area	803 sqft
Parking Spaces	3 Parking Spaces
Pool Area	288 sqft
Patio Area	352 sqft

Location & Zoning

Street Address	12911 PEBBLE RIDGE DR
City	BYHALIA
State	MS
Zip	38611-4401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	RED BANKS ROAD SEC B LOT 16
Legal Range	05
Legal Township	03
Legal Section	07
Legal Subdivision	RED BANKS ROAD SEC B
Legal Lot Number	16
Jurisdiction	DESOTO MS
Township / Civil Division	1
Census Block Group	2
Census Block	2023
Census Tract	70900

Owner

12911 Pebble Ridge Dr is owned and occupied by an individual who acquired it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	12911 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401
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
Sep 10, 2018	Deed of Trust, Mortgage · Commercial Mortgage BANKPLUS FSB
Mar 31, 2020	Warranty Deed, Transfer · Conventional Mortgage EAGLE BANK & TRUST CO
Feb 20, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2020
Deed Sale	Mar 31, 2020
Prior Sale	Feb 20, 2019
Deed Document Number	0000916127
Deed Book / Page	916 / 127
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12911 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00004603/1
Date	Sep 10, 2018
Book Page	4603/1
Instrument	T04603-00001

Lender

Name	BANKPLUS FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 27, 2019

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 31, 2020
Property Address	12911 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401
Document Number	000916/127
Book / Page	916 / 127
Map Reference	MB 119 PG 41-44
Instrument Date	Mar 23, 2020
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	SOUTHERN UTAH TITLE COMPANY, SOUTHERN TRUST TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12911 PEBBLE RIDGE DR, 12911, BYHALIA, MS 38611-4401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12911 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401

Mortgage

Document Number	0004914060
Date	Mar 31, 2020
Instrument	4914/060

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

February 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Feb 20, 2019
Property Address	12911 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401
Document Number	000880/558
Book / Page	0880 / 558
Map Reference	MB 119 PG 41744
Instrument Date	Feb 14, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6814 CRUMPLER BLVD # 1, 6814, OLIVE BRANCH, MS 38654-1996

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12911 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401

Mortgage

Document Number	0004679598
Date	Feb 20, 2019
Instrument	4679/598

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12911 Pebble Ridge Dr was $2,591.

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	$2,591.00	$35,049 Land $4,000 Building $31,049	$350,485 Land $40,000 Building $310,485
2023	$2,222.00	$25,230	$252,300 Land $40,000 Building $212,300

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

Flood

FEMA maps place 12911 Pebble Ridge Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2011.

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

Wildfire risk around 12911 Pebble Ridge Dr is moderate, ranking above 63% 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 63% of the US · above 81% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Northcentral Connect Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pebble Ridge Dr

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