12998 Arbor Dr, Olive Branch, MS 38654 Property Records

DeSoto County property record for 12998 Arbor Dr, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,752 sqft · built 2003
Lot Size	0.359 acres (15,618 sqft)
Owner	Individual Name on File
Last Sale	$244,600 (Dec 2017)
Tax Bill	$1,731 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2-05-3-07-07-0-00218-00`

Property Details

APN / Parcel Number

Primary APN	`2-05-3-07-07-0-00218-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,752 sqft Adjusted Area
1st Floor Area	2,175 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	15,618 sqft (0.359 acres)
Lot Dimensions	150 ft deep x 115 ft wide
Patio Area	72 sqft

Location & Zoning

Street Address	12998 ARBOR DR
City	OLIVE BRANCH
State	MS
Zip	38654-6090
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	FOREST HILL COMMUNITY PHASE 4 LOT 218
Legal Range	005
Legal Township	02S
Legal Section	07
Legal Subdivision	FOREST HILL COMMUNITY PH 4
Legal Phase	4
Legal Lot Number	218
Jurisdiction	DESOTO MS
Township / Civil Division	1
Census Block Group	3
Census Block	3001
Census Tract	70830

Owner

12998 Arbor Dr is owned and occupied by an individual who bought it in December 2017.

Source: DeSoto County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	12998 ARBOR DR, OLIVE BRANCH, MS 38654-6090
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
Feb 25, 2022	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Dec 11, 2017	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Feb 25, 2022	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Dec 11, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2017 · Amount on File
Deed Sale	Dec 11, 2017 · Amount on File
Deed Document Number	2017W00843-00107
Deed Book / Page	843 / 107
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12998 ARBOR DR, OLIVE BRANCH, MS 38654-6090
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12998 ARBOR DR, OLIVE BRANCH, MS 38654-6090

Mortgage

Document Number	005473/305
Date	Feb 25, 2022
Book Page	5473/305

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12998 ARBOR DR, OLIVE BRANCH, MS 38654-6090
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004463/562
Date	Dec 11, 2017
Book Page	4463/562
Instrument	T04463-00562

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	12998 ARBOR DR, OLIVE BRANCH, MS 38654-6090
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12998 ARBOR DR, OLIVE BRANCH, MS 38654-6090

Mortgage

Document Number	005472/791
Date	Feb 25, 2022
Book Page	5472/791

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 11, 2017
Property Address	12998 ARBOR DR, OLIVE BRANCH, MS 38654-6090
Document Number	000843/107
Book / Page	843 / 107
Map Reference	PB 81 PGS 9-12
Instrument Date	Dec 7, 2017
Instrument	W00843-00107
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3046 BRAMBLEBERRY CV, 3046, SOUTHAVEN, MS 38672-6091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12998 ARBOR DR, OLIVE BRANCH, MS 38654-6090

Tax Assessment & Valuation

The 2025 property tax bill for 12998 Arbor Dr was $1,731.

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	$1,731.00	$17,315 Land $3,500 Building $13,815	$173,148 Land $35,000 Building $138,148
2023		$17,315	$173,148 Land $35,000 Building $138,148
2022	$1,731.00

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 12998 Arbor 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 12998 Arbor Dr is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 62% of Mississippi
Wildfire Likelihood	0.08% 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	CITY OF OLIVE BRANCH serves 54,025 people · EPA ID MS0170015
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jan 2010
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 219 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

May also be available: Brightspeed.

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