1651 Thomas St, Horn Lake, MS 38637 Property Records

DeSoto County property record for 1651 Thomas St, Horn Lake, MS 38637

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,485 sqft · built 1998
Lot Size	0.122 acres (5,325 sqft)
Owner	Company Name on File
Tax Bill	$2,228 (2025)
Deeds & Mortgages	Jun 2017 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-08-1-02-18-0-00041-00`

Property Details

APN / Parcel Number

Primary APN	`2-08-1-02-18-0-00041-00`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,485 sqft Adjusted Area
1st Floor Area	1,263 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,325 sqft (0.122 acres)
Lot Dimensions	130 ft deep x 40 ft wide
Patio Area	98 sqft

Location & Zoning

Street Address	1651 THOMAS ST
City	HORN LAKE
State	MS
Zip	38637-3330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	RIVER OAKS S-D SEC A LOT 41
Legal Range	008
Legal Township	02S
Legal Section	02
Legal Subdivision	RIVER OAKS S-D
Legal Lot Number	41
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2004
Census Tract	70322

Owner

1651 Thomas St is owned by a company that acquired it in May 2017.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company
Vesting	Company

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
Jun 13, 2017	Deed of Trust, Mortgage AMHERST SFR LENDER LLC
May 3, 2021	Deed of Trust, Mortgage · Commercial Mortgage ROYAL BANK OF CANADA
May 10, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2017
Deed Sale	May 10, 2017
Prior Sale	Oct 21, 2015
Deed Document Number	201710112870
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1651 THOMAS ST, HORN LAKE, MS 38637-3330
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170613010174090
Date	Jun 13, 2017
Instrument	20170613010174090

Lender

Name	AMHERST SFR LENDER LLC
Address	AUSTIN, PA 16720

Agreement

Amount	Amount on Record
Term	64 Months
Due	Oct 7, 2022

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1651 THOMAS ST, HORN LAKE, MS 38637-3330
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SELECT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005227/464
Date	May 3, 2021
Book Page	5227/464

Lender

Name	ROYAL BANK OF CANADA
Type	Bank
Address	NEW YORK, NY 10281

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 10, 2017
Property Address	1651 THOMAS ST, HORN LAKE, MS 38637-3330
Document Number	20170510010112870
Map Reference	PL 57 PG 17
Instrument Date	Mar 29, 2017
Instrument	20170510010112870
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5001 PLAZA ON THE LK # LK200, 5001, AUSTIN, TX 78746-1070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 STRAND ST STE 2A, 2A, CHRISTIANSTED, VI 00820-5083
Mail Care Of	ALTISOURCE ASSET MANAGEMENT CORPORATION
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1651 Thomas St was $2,228.

Source: DeSoto County assessment roll, as of December 15, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Municipality	Horn Lake City
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,228.00	$17,663 Land $2,700 Building $14,963	$117,753 Land $18,000 Building $99,753
2023	$1,935.00	$13,028	$86,854 Land $18,000 Building $68,854

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

Flood

FEMA maps place 1651 Thomas St in Zone X, an area of minimal flood risk, though there have been 32 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	32 (1978–2024)
Claims Outside the SFHA	12 of 32
Most Recent Claim	Dec 2024 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding, Apr 2011 · 4 claims Severe Storms, Tornadoes And Flooding, Nov 2001 · 2 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 1651 Thomas St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 79% of Mississippi
Wildfire Likelihood	0.04% 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	HORN LAKE WATER ASSOCIATION public/private · serves 12,735 people · EPA ID MS0170010
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
C Spire Wireless Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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