3816 Saddle Bend, Olive Branch, MS 38654 Property Records

DeSoto County property record for 3816 Saddle Bend, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,753 sqft · built 2003
Lot Size	0.718 acres (31,308 sqft)
Owner	Individual Name on File
Tax Bill	$3,384 (2025)
Deeds & Mortgages	May 2018 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2-06-5-16-06-0-00098-00`

Property Details

APN / Parcel Number

Primary APN	`2-06-5-16-06-0-00098-00`

Interior

Bedrooms	4 Beds
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,753 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	31,308 sqft (0.718 acres)
Lot Dimensions	197 ft deep x 131 ft wide
Patio Area	344 sqft

Location & Zoning

Street Address	3816 SADDLE BND
City	OLIVE BRANCH
State	MS
Zip	38654-7371
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40 OVERLAY
Legal Description	BELMOR LAKES SEC C LOT 98
Legal Range	06
Legal Township	02
Legal Section	16
Legal Subdivision	BELMOR LAKES SEC C
Legal Lot Number	98
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	70722

Owner

3816 Saddle Bend is owned and occupied by an individual who acquired it in May 2010.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3816 SADDLE BND, OLIVE BRANCH, MS 38654-7371
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
May 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANCORP SOUTH BANK
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2010
Deed Sale	May 14, 2010
Deed Document Number	0000633434
Deed Book / Page	633 / 434
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3816 SADDLE BND, OLIVE BRANCH, MS 38654-7371
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004543/781
Date	May 21, 2018
Book Page	4543/781
Instrument	T04543-00781

Lender

Name	BANCORP SOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 26, 2023

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3816 SADDLE BND, OLIVE BRANCH, MS 38654-7371
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3816 SADDLE BND, OLIVE BRANCH, MS 38654-7371

Mortgage

Document Number	005045/330
Date	Sep 18, 2020
Book Page	5045/330

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 3816 Saddle Bend was $3,384.

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	$3,384.00	$31,822 Land $5,000 Building $26,822	$318,223 Land $50,000 Building $268,223
2023	$2,924.00	$23,624	$236,239 Land $50,000 Building $186,239

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

Flood

FEMA maps place 3816 Saddle Bend in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3816 Saddle Bend is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 41% of Mississippi
Wildfire Likelihood	0.07% 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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