3643 Rutledge Rd, Olive Branch, MS 38654 Property Records

DeSoto County property record for 3643 Rutledge Rd, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,949 sqft · built 2005
Lot Size	1.06 acres (46,263 sqft)
Owner	Individual Name on Record
Tax Bill	$4,938 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-06-5-16-07-0-00042-00`

Property Details

APN / Parcel Number

Primary APN	`2-06-5-16-07-0-00042-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,949 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	46,263 sqft (1.06 acres)
Lot Dimensions	297 ft deep x 166 ft wide
Patio Area	280 sqft

Location & Zoning

Street Address	3643 RUTLEDGE RD
City	OLIVE BRANCH
State	MS
Zip	38654-9446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Description	ESTATES OF SOUTHERN TRAILS PHASE 1 LOT 42
Legal Range	06
Legal Township	02
Legal Section	16
Legal Subdivision	ESTATES OF SOUTHERN TRAILS
Legal Phase	1
Legal Lot Number	42
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2020
Census Tract	70722

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3643 RUTLEDGE RD, OLIVE BRANCH, MS 38654-9446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF FAYETTE COUNTY
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Aug 30, 2019	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK OF MISSISSIPPI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021
Deed Sale	Dec 16, 2021
Prior Sale	Aug 30, 2019
Deed Document Number	0000098255
Deed Book / Page	982 / 55
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3643 RUTLEDGE RD, OLIVE BRANCH, MS 38654-9446
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004558/569
Date	Jun 15, 2018
Book Page	4558/569
Instrument	T04558-00569

Lender

Name	BANK OF FAYETTE COUNTY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 16, 2021
Property Address	3643 RUTLEDGE RD, OLIVE BRANCH, MS 38654-9446
Document Number	0000982/55
Book / Page	982 / 55
Map Reference	MB 89 PG 24
Instrument Date	Dec 13, 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	3643 RUTLEDGE RD, 3643, OLIVE BRANCH, MS 38654-9446

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3643 RUTLEDGE RD, OLIVE BRANCH, MS 38654-9446

Mortgage

Document Number	0005423169
Date	Dec 16, 2021
Instrument	5423/169

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 30, 2019
Property Address	3643 RUTLEDGE RD, OLIVE BRANCH, MS 38654-9446
Document Number	000898/095
Book / Page	0898 / 095
Map Reference	MB 89 PG 24
Instrument Date	Aug 27, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4687 ROBINSON LOOP, 4687, OLIVE BRANCH, TN 38657

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3643 RULTEDGE RD, DUCK RIVER, TN 38454

Mortgage

Document Number	0004788675
Date	Aug 30, 2019
Instrument	4788/675

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,938.00 (+15.35%)	$42,650 (+35.96%) Land $6,000 Building $36,650	$426,495 (+35.96%) Land $60,000 Building $366,495
2023	$4,281.00	$31,370	$313,700 Land $60,000 Building $253,700

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

Flood

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
Nearby Flood Policies	2 in force

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

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

Wildfire Risk	Moderate above 46% of the US · above 43% of Mississippi
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Northcentral Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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