12948 Pebble Ridge Dr, Byhalia, MS 38611 Property Records

DeSoto County property record for 12948 Pebble Ridge Dr, Byhalia, MS 38611

Property Summary

Property Type	Single Family Home
Details	4 bd · 4,610 sqft · built 2023
Lot Size	2.32 acres (101,059 sqft)
Owner	Individual Name on File
Tax Bill	$4,258 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-05-3-07-02-0-00012-00`

Property Details

APN / Parcel Number

Primary APN	`3-05-3-07-02-0-00012-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	4,610 sqft Adjusted Area
1st Floor Area	3,174 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Shingle
Lot Area	101,059 sqft (2.32 acres)

Location & Zoning

Street Address	12948 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 12
Legal Range	005
Legal Township	03S
Legal Section	07
Legal Subdivision	RED BANKS ROAD SEC B
Legal Lot Number	12
Jurisdiction	DESOTO MS
Township / Civil Division	1
Census Block Group	2
Census Block	2023
Census Tract	70900

Owner

12948 Pebble Ridge Dr is owned by an individual who acquired it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4612 RIVA RIDGE DR, OLIVE BRANCH, MS 38654-2010
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 27, 2023	Deed of Trust, Mortgage · Line of Credit PLANTERS BANK & TRUST CO
Oct 12, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST SECURITY BANK
Oct 4, 2019	Intrafamily Transfer, Transfer · Commercial Mortgage FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2021
Deed Sale	Oct 12, 2021
Prior Sale	Oct 4, 2019 · Amount on File
Deed Book / Page	974 / 569
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12948 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4612 RIVA RIDGE DR, OLIVE BRANCH, MS 38654-2010

Mortgage

Document Number	5660/21131
Date	Mar 27, 2023
Book Page	5660/21131

Lender

Name	PLANTERS BANK & TRUST CO
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 13, 2024

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 12, 2021
Property Address	12948 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401
Document Number	000974/569
Book / Page	974 / 569
Map Reference	MB 119 PG 41
Instrument Date	Oct 8, 2021
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10358 OAK LEAF DR, OLIVE BRANCH, MS 38654-3339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6654 BRISTOL PARK, OLIVE BRANCH, MS 38654-6085

Mortgage

Document Number	0005370751
Date	Oct 12, 2021
Instrument	5370/751

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 8, 2026

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Oct 4, 2019
Property Address	12948 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401
Document Number	000901/193
Book / Page	0901 / 193
Map Reference	MB 119 PG 41-44
Instrument Date	Oct 4, 2019
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10358 OOLE LEAF DRIVE, OLIVE BRANCH, MS 38654

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12948 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401

Mortgage

Document Number	0004810776
Date	Oct 4, 2019
Instrument	4810/776

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 4, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 12948 Pebble Ridge Dr was $4,258.

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	$4,258.00	$51,626 Land $4,000 Building $47,626	$516,259 Land $40,000 Building $476,259
2023	$599.00	$6,000	$40,000 Land $40,000

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

Flood

FEMA maps place 12948 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 12948 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

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