13265 Cathy Rd, Byhalia, MS 38611 Property Records

DeSoto County property record for 13265 Cathy Rd, Byhalia, MS 38611

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,250 sqft · built 2018
Lot Size	2.02 acres (87,991 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,049 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-05-4-20-00-0-00001-04`

Property Details

APN / Parcel Number

Primary APN	`3-05-4-20-00-0-00001-04`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,250 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 Type	Gable
Roof Material	Shingle
Lot Area	87,991 sqft (2.02 acres)
Pool Area	288 sqft
Patio Area	352 sqft
Utility Building	2,137 sqft

Location & Zoning

Street Address	13265 CATHY RD
City	BYHALIA
State	MS
Zip	38611-8050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	PT NE1/4 NW1/4 LOT 4 SHEFFIELD MINOR
Legal Range	05
Legal Township	03
Legal Section	20
Legal Subdivision	SHEFFIELD MINOR LT SUB
Legal Lot Number	4
Jurisdiction	DESOTO MS
Township / Civil Division	1
Census Block Group	2
Census Block	2031
Census Tract	70900

Owner

Source: DeSoto County assessment roll, as of September 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	13265 CATHY RD, BYHALIA, MS 38611-8050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Document Number	0000385393
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	13265 CATHY RD, BYHALIA, MS 38611-8050
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004579/227
Date	Jul 26, 2018
Book Page	4579/227
Instrument	T04579-00227

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	13265 CATHY RD, BYHALIA, MS 38611-8050
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004967/697
Date	Jun 15, 2020
Book Page	4967/697

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	MINERAL POINT, WI 53565

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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	$1,049.00 (-17.53%)	$20,225 (-) Land $2,020 Building $18,205	$202,246 (-) Land $20,200 Building $182,046
2023	$1,272.00	$20,225	$202,246 Land $20,200 Building $182,046

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

Flood

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

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

Wildfire Risk	Moderate above 62% of the US · above 80% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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