1664 Thomas St, Horn Lake, MS 38637 Property Records

DeSoto County property record for 1664 Thomas St, Horn Lake, MS 38637

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,557 sqft · built 2000
Lot Size	0.134 acres (5,858 sqft)
Owner	Individual Name on File
Last Sale	$233,050 (Nov 2025)
Tax Bill	$2,281 (2025)
Deeds & Mortgages	Feb 2013 Mortgage Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-08-1-02-18-0-00039-00`

Property Details

APN / Parcel Number

Primary APN	`2-08-1-02-18-0-00039-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,557 sqft Adjusted Area
1st Floor Area	1,309 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,858 sqft (0.134 acres)
Lot Dimensions	146 ft deep x 40 ft wide
Patio Area	100 sqft

Location & Zoning

Street Address	1664 THOMAS ST
City	HORN LAKE
State	MS
Zip	38637-3329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	RIVER OAKS S-D SEC A LOT 39
Legal Range	008
Legal Township	02S
Legal Section	02
Legal Subdivision	RIVER OAKS S-D
Legal Lot Number	39
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2004
Census Tract	70322

Owner

1664 Thomas St is owned and occupied by an individual who bought it in November 2025.

Source: DeSoto County records, as of April 1, 2026

Owner of Record	Individual Name on File
Mailing Address	1664 THOMAS ST, HORN LAKE, MS 38637-3329
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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 21, 2013	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Nov 4, 2025	Warranty Deed, Transfer · FHA Mortgage SOUTHWEST FUNDING LP
Dec 29, 2022	Warranty Deed, Transfer NOT AVAILABLE, GUARDIAN TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2025 · Amount on File
Deed Sale	Nov 4, 2025 · Amount on File
Prior Sale	Dec 29, 2022
Deed Book / Page	1025 / 21409
Record Updated	Oct 29, 2026

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1664 THOMAS ST, HORN LAKE, MS 38637-3329
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003589/455
Date	Feb 21, 2013
Book Page	3589/455

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2028

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Nov 4, 2025
Property Address	1664 THOMAS ST, HORN LAKE, MS 38637-3329
Document Number	1025/21409
Book / Page	1025 / 21409
Map Reference	MB 57 PG 17
Instrument Date	Oct 21, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	HOME SURETY T&E LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2464 W FARMHOUSE LN, LEHI, UT 84043-7394

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1664 THOMAS ST, HORN LAKE, MS 38637-3329

Mortgage

Document Number	5662115011
Date	Nov 4, 2025
Instrument	5662/115011

Lender

Name	SOUTHWEST FUNDING LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2045

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 29, 2022
Property Address	1664 THOMAS ST, HORN LAKE, MS 38637-3329
Document Number	001021/649
Book / Page	1021 / 649
Map Reference	MB 57 PG 17
Instrument Date	Dec 22, 2022
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1406 HOLLY DR, MOORHEAD, MS 38761-5520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 W HILLSIDE DR, SARATOGA SPRINGS, UT 84045-3860

Tax Assessment & Valuation

The 2025 property tax bill for 1664 Thomas St was $2,281, up 15.3% from the year before.

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	$2,281.00 (+15.32%)	$18,081 (+35.77%) Land $2,700 Building $15,381	$120,538 (+35.77%) Land $18,000 Building $102,538
2024	$1,978.00	$13,317 (-) Land $2,700 Building $10,617	$88,780 (-) Land $18,000 Building $70,780
2023	$1,978.00	$13,317	$88,780 Land $18,000 Building $70,780

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1664 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 1664 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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