14003 Cathy Rd, Byhalia, MS 38611 Property Records

DeSoto County property record for 14003 Cathy Rd, Byhalia, MS 38611

Property Summary

Property Type	Single Family Home
Details	4,192 sqft · built 2019
Lot Size	22.7 acres (992,297 sqft)
Owner	2 Individuals on Record
Tax Bill	$3,745 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Feb 2019 Construction Loan
Flood Zone	Zone AE (high risk)
APN	`3-05-5-21-00-0-00004-02`

Property Details

APN / Parcel Number

Primary APN	`3-05-5-21-00-0-00004-02`

Interior

Building Area	4,192 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Asbestos
Lot Area	992,297 sqft (22.7 acres)
Pool Area	648 sqft
Patio Area	496 sqft

Location & Zoning

Street Address	14003 CATHY RD
City	BYHALIA
State	MS
Zip	38611-8052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	PT NW1/4 SW1/4
Legal Range	05
Legal Township	03
Legal Section	21
Legal Subdivision	JAMES HOWARD & LYNN HOWARD
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 Individuals on Record
Mailing Address	14003 CATHY RD, BYHALIA, MS 38611-8052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO
Feb 13, 2019	Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000825474
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	14003 CATHY RD, BYHALIA, MS 38611-8052
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14003 CATHY RD, BYHALIA, MS 38611-8052

Mortgage

Document Number	005042/537
Date	Sep 16, 2020
Book Page	5042/537

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	14003 CATHY RD, BYHALIA, MS 38611-8052
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004677/259
Date	Feb 13, 2019
Book Page	4677/259

Lender

Name	CITIZENS BANK
Type	Bank
Address	BYHALIA, MS 38611

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Aug 9, 2019

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	$3,745.00 (+12.39%)	$45,361 (+36.14%) Land $4,812 Building $40,549	$449,570 (+36.61%) Land $44,082 Building $405,488
2023	$3,332.00	$33,319	$329,099 Land $44,171 Building $284,928

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 60% of the US · above 76% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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