12955 Pebble Ridge Dr, Byhalia, MS 38611 Property Records

DeSoto County property record for 12955 Pebble Ridge Dr, Byhalia, MS 38611

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,584 sqft · built 2018
Lot Size	2.25 acres (98,010 sqft)
Owner	Individual Name on File
Tax Bill	$3,358 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-05-3-07-02-0-00015-00`

Property Details

APN / Parcel Number

Primary APN	`3-05-3-07-02-0-00015-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,584 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	98,010 sqft (2.25 acres)
Pool Area	512 sqft
Patio Area	738 sqft

Location & Zoning

Street Address	12955 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 15
Legal Subdivision	RED BANKS ROAD SEC B
Legal Lot Number	15
Jurisdiction	DESOTO MS
Township / Civil Division	1
Census Block Group	2
Census Block	2023
Census Tract	70900

Owner

12955 Pebble Ridge Dr is owned and occupied by an individual who acquired it in September 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	12955 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
Apr 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK & TRUST CO
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE CORP
Jan 6, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2024
Deed Sale	Sep 24, 2024
Deed Document Number	0102417277
Deed Book / Page	1024 / 17277
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12955 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	004528/344
Date	Apr 24, 2018
Book Page	4528/344
Instrument	T04528-00344

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12955 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12955 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401

Mortgage

Document Number	0005094/99
Date	Nov 20, 2020
Book Page	5094/99

Lender

Name	COMMUNITY MORTGAGE CORP
Type	Mortgage Company
Address	CORDOVA, TN 38018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12955 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12955 PEBBLE RIDGE DR, BYHALIA, MS 38611-4401

Mortgage

Document Number	005128/484
Date	Jan 6, 2021
Book Page	5128/484

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	OLIVE BRANCH, MS 38654

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Dec 26, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12955 Pebble Ridge Dr was $3,358.

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	$3,358.00	$44,350 Land $4,000 Building $40,350	$443,499 Land $40,000 Building $403,499
2023	$2,846.00	$31,472	$314,719 Land $40,000 Building $274,719

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

Flood

FEMA maps place 12955 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 12955 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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