1904 Thomas St, Horn Lake, MS 38637 Property Records

DeSoto County property record for 1904 Thomas St, Horn Lake, MS 38637

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,797 sqft · built 2000
Lot Size	0.234 acres (10,226 sqft)
Owner	Individual Name on File
Tax Bill	$1,411 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-08-1-02-18-0-00019-00`

Property Details

APN / Parcel Number

Primary APN	`2-08-1-02-18-0-00019-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,797 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,226 sqft (0.234 acres)
Lot Dimensions	146 ft deep x 70 ft wide
Patio Area	98 sqft

Location & Zoning

Street Address	1904 THOMAS ST
City	HORN LAKE
State	MS
Zip	38637-3317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	RIVER OAKS S-D SEC A LOT 19
Legal Range	08
Legal Township	02
Legal Section	02
Legal Subdivision	RIVER OAKS S-D
Legal Lot Number	19
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2004
Census Tract	70322

Owner

1904 Thomas St is owned and occupied by an individual.

Source: DeSoto County records, as of December 22, 2025

Owner of Record	Individual Name on File
Mailing Address	1904 THOMAS ST, HORN LAKE, MS 38637-3317
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
Sep 26, 2018	Deed of Trust, Mortgage · FHA Mortgage EAGLE BANK & TRUST CO
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 7, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000468264
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1904 THOMAS ST, HORN LAKE, MS 38637-3317
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SELECT TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004611/563
Date	Sep 26, 2018
Book Page	4611/563

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank
Address	LITTLE ROCK, AR 72211

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1904 THOMAS ST, HORN LAKE, MS 38637-3317
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004970/340
Date	Jun 18, 2020
Book Page	4970/340

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	341 Months
Due	Nov 1, 2048

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1904 THOMAS ST, HORN LAKE, MS 38637-3317
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1904 THOMAS ST, HORN LAKE, MS 38637-3317

Mortgage

Document Number	005481/357
Date	Mar 7, 2022
Book Page	5481/357

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	320 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1904 Thomas St was $1,411.

Source: DeSoto County assessment roll, as of September 1, 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	$1,411.00	$13,547 Land $1,800 Building $11,747	$135,466 Land $18,000 Building $117,466
2023	$1,181.00	$9,956	$99,555 Land $18,000 Building $81,555

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

Flood

FEMA maps place 1904 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 1904 Thomas St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 84% of Mississippi
Wildfire Likelihood	0.02% 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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