1748 Thomas St, Horn Lake, MS 38637 Property Records

DeSoto County property record for 1748 Thomas St, Horn Lake, MS 38637

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,586 sqft · built 1998
Lot Size	0.135 acres (5,870 sqft)
Owner	Individual Name on File
Last Sale	$238,009 (Aug 2026)
Tax Bill	$1,234 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2-08-1-02-18-0-00032-00`

Property Details

APN / Parcel Number

Primary APN	`2-08-1-02-18-0-00032-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,586 sqft Adjusted Area
1st Floor Area	1,321 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,870 sqft (0.135 acres)
Lot Dimensions	142 ft deep x 40 ft wide
Patio Area	100 sqft

Location & Zoning

Street Address	1748 THOMAS ST
City	HORN LAKE
State	MS
Zip	38637-3325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	RIVER OAKS S-D SEC A LOT 32
Legal Range	008
Legal Township	02S
Legal Section	02
Legal Subdivision	RIVER OAKS S-D
Legal Lot Number	32
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2004
Census Tract	70322

Owner

1748 Thomas St is owned and occupied by an individual who bought it in August 2026.

Source: DeSoto County records, as of September 14, 2026

Owner of Record	Individual Name on File
Mailing Address	1748 THOMAS ST, HORN LAKE, MS 38637-3325
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Aug 28, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Mar 31, 2023	Warranty Deed, Transfer SURE TITLE COMPANY LLC
Jun 29, 2022	Warranty Deed, Transfer · FHA Mortgage BARTLETT MORTGAGE INC
Nov 23, 2020	Warranty Deed, Transfer · VA Mortgage BANCORPSOUTH BANK
May 29, 2019	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK OF MISSISSIPPI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2026 · Amount on File
Deed Sale	Aug 28, 2026 · Amount on File
Prior Sale	Mar 31, 2023
Deed Book / Page	1026 / 15774
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 28, 2026
Property Address	1748 THOMAS ST, HORN LAKE, MS 38637-3325
Document Number	1026015774
Book / Page	1026 / 15774
Instrument Date	Aug 27, 2026
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	HOME SURETY TITLE AND ESCROW LLC, HOME SURETY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1748 THOMAS ST, HORN LAKE, MS 38637-3325

Mortgage

Document Number	5663098745,
Date	Aug 28, 2026
Book Page	5663/98745

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	5663098759,
Date	Aug 28, 2026
Book Page	5663/98759

Lender

Name	MISSISSIPPI HOME CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 31, 2023
Property Address	1748 THOMAS ST, HORN LAKE, MS 38637-3325
Document Number	01023/4995
Book / Page	1023 / 4995
Map Reference	MB 57 PG 17
Instrument Date	Mar 29, 2023
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	SURE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 BUNKER HILL DR, CARENCRO, LA 70520-5915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1748 THOMAS ST, HORN LAKE, MS 38637-3325

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 29, 2022
Property Address	1748 THOMAS ST, HORN LAKE, MS 38637-3325
Document Number	001002/170
Book / Page	1002 / 170
Map Reference	MB 57 PG 17&18
Instrument Date	Jun 15, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2746 N KESWICK WAY, 2746, GREENSBORO, NC 27410-9724

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1748 THOMAS ST, HORN LAKE, MS 38637-3325

Mortgage

Document Number	0005558508
Date	Jun 29, 2022
Instrument	5558/508

Lender

Name	BARTLETT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Nov 23, 2020
Property Address	1748 THOMAS ST, HORN LAKE, MS 38637-3325
Document Number	000939/623
Book / Page	939 / 623
Instrument Date	Nov 20, 2020
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	SLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1391 FXCHASA DRIVE, 1391, LUTTS, TN 38471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1748 THOMAS ST, HORN LAKE, MS 38637-3325

Mortgage

Document Number	0005096518
Date	Nov 23, 2020
Instrument	5096/518

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 29, 2019
Property Address	1748 THOMAS ST, HORN LAKE, MS 38637-3325
Document Number	000889/111
Book / Page	0889 / 111
Map Reference	MB 57 PG 17&18
Instrument Date	May 28, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	SLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3900 35TH ST SW, 3900, LEHIGH ACRES, FL 33976-4226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1420 FOX CHASE CV, SOUTHAVEN, MS 38671-8577

Mortgage

Document Number	0004732777
Date	May 29, 2019
Instrument	4732/777

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1748 Thomas St was $1,234.

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	$1,234.00	$12,138 Land $1,800 Building $10,338	$121,383 Land $18,000 Building $103,383
2023	$1,329.00	$8,932	$89,320 Land $18,000 Building $71,320

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 1748 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 1748 Thomas St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.7% of Mississippi
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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