1844 Thomas St, Horn Lake, MS 38637 Property Records

DeSoto County property record for 1844 Thomas St, Horn Lake, MS 38637

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,691 sqft · built 1998
Lot Size	0.234 acres (10,215 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Sep 2021)
Tax Bill	$250 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2-08-1-02-18-0-00024-00`

Property Details

APN / Parcel Number

Primary APN	`2-08-1-02-18-0-00024-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,691 sqft Adjusted Area
1st Floor Area	1,422 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	Hip
Roof Material	Shingle
Lot Area	10,215 sqft (0.234 acres)
Lot Dimensions	146 ft deep x 70 ft wide

Location & Zoning

Street Address	1844 THOMAS ST
City	HORN LAKE
State	MS
Zip	38637-3320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	RIVER OAKS S-D SEC A LOT 24
Legal Range	008
Legal Township	02S
Legal Section	02
Legal Subdivision	RIVER OAKS S-D
Legal Lot Number	24
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2004
Census Tract	70322

Owner

1844 Thomas St is owned and occupied by an individual who bought it in September 2021.

Source: DeSoto County records, as of September 25, 2026

Owner of Record	Individual Name on File
Mailing Address	1844 THOMAS ST, HORN LAKE, MS 38637-3320
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 22, 2019	Deed of Trust, Mortgage · FHA Mortgage CASTLE & COOKE MORTGAGE LLC
Jul 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage MISSISSIPPI HOME CORPORATION
Sep 13, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP
Jul 17, 2019	Warranty Deed, Transfer · Stand-Alone Second Mortgage CASTLE & COOKE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2021 · Amount on File
Deed Sale	Sep 13, 2021 · Amount on File
Prior Sale	Jul 17, 2019 · Amount on File
Deed Book / Page	971 / 102
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1844 THOMAS ST, HORN LAKE, MS 38637-3320
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SELECT TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004821/213
Date	Oct 22, 2019
Book Page	4821/213

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1844 THOMAS ST, HORN LAKE, MS 38637-3320
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SELECT TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004766/116
Date	Jul 22, 2019
Book Page	4766/116

Lender

Name	MISSISSIPPI HOME CORPORATION
Type	Non-Lending Institution
Address	JACKSON, MS 39202

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Sep 13, 2021
Property Address	1844 THOMAS ST, HORN LAKE, MS 38637-3320
Document Number	000971/102
Book / Page	971 / 102
Map Reference	MB 57 PG 17
Instrument Date	Sep 8, 2021
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 COUNTY ROAD 217, 209, OXFORD, MS 38655-8400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1844 THOMAS ST, HORN LAKE, MS 38637-3320

Mortgage

Document Number	0005342539
Date	Sep 13, 2021
Instrument	5342/539

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 17, 2019
Property Address	1844 THOMAS ST, HORN LAKE, MS 38637-3320
Document Number	000893/559
Book / Page	0893 / 559
Map Reference	MB 57 PG 17
Instrument Date	Jul 1, 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	4567 DAVIS RD, 4567, SOUTHAVEN, MS 38671-9571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1844 THOMAS ST, HORN LAKE, MS 38637-3320

Mortgage

Document Number	0004764001
Date	Jul 17, 2019
Instrument	4764/001

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1844 Thomas St was $250.

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	$250.00	$9,427 Land $1,800 Building $7,627	$94,267 Land $18,000 Building $76,267
2023	$292.00	$9,427	$94,267 Land $18,000 Building $76,267

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1844 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 1844 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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