DeSoto County property record for 3964 Spring Lakes Cir, Olive Branch, MS 38654 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,379 sqft · built 2000 |
| Lot Size | 0.2 acres (8,706 sqft) |
| Owner | Individual Name on File |
| Last Sale | $177,400 (Feb 2019) |
| Tax Bill | $2,202 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Oct 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-06-4-18-01-0-00003-00 |
| Primary APN | 2-06-4-18-01-0-00003-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,379 sqft Adjusted Area |
| 1st Floor Area | 2,030 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 8,706 sqft (0.2 acres) |
| Lot Dimensions | 141 ft deep x 44 ft wide |
| Patio Area | 255 sqft |
| Street Address | 3964 SPRING LAKES CIR |
|---|---|
| City | OLIVE BRANCH |
| State | MS |
| Zip | 38654-8693 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLLEGE HILLS PUD S-D 1ST REV LOT 3 |
| Legal Range | 006 |
| Legal Township | 02S |
| Legal Section | 18 |
| Legal Subdivision | COLLEGE HILLS PUD S-D |
| Legal Lot Number | 3 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 70722 |
Source: DeSoto County records · APN 2-06-4-18-01-0-00003-00
Assessment roll updated December 15, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3964 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 05, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 04, 2022 | Intrafamily Transfer, Transfer |
| Feb 21, 2019 | Warranty Deed, Transfer · FHA Mortgage COGENT BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 21, 2019 · Amount on Record |
| Deed Sale | Feb 21, 2019 · Amount on Record |
| Deed Book / Page | 880 / 761 |
| Prior Transfer Date | Dec 14, 2012 |
| Prior Transfer Doc | 000718/452 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 3964 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3964 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693 |
| Document Number | 005231/650 |
|---|---|
| Date | May 05, 2021 |
| Book Page | 5231/650 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Oct 04, 2022 |
| Property Address | 3964 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693 |
| Document Number | 001013/753 |
| Book / Page | 1013 / 753 |
| Map Reference | MB 55 PG 3 |
| Instrument Date | Sep 29, 2022 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9698 SHELBY LN, 9698, OLIVE BRANCH, MS 38654-3544 |
| Name | Verified Name |
|---|---|
| Address | 3964 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Feb 21, 2019 |
| Property Address | 3964 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693 |
| Document Number | 000880/761 |
| Book / Page | 0880 / 761 |
| Map Reference | MB 55 PG 1&2 |
| Instrument Date | Feb 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Title Company | REALITY TITLE, REALTY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 200 S MCKENZIE ST, 200, FOLEY, AL 36535-1925 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3964 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693 |
| Document Number | 0004680688 |
|---|---|
| Date | Feb 21, 2019 |
| Instrument | 4680/688 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2049 |
Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Olive Branch City |
| Unified School District | DeSoto County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,202.00 (+16.57%) | $21,613 (+34.7%) Land $3,000 Building $18,613 | $216,130 (+34.71%) Land $30,000 Building $186,130 |
| 2023 | $1,889.00 | $16,045 | $160,446 Land $30,000 Building $130,446 |
Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280330707223, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Nearby Flood Policies | 5 in force |
| Wildfire Risk | Low above 35% of the US · above 18% of Mississippi |
|---|---|
| Wildfire Likelihood | About 1 in 1,754 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 76 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Telapex | Fiber | 8,000 / 8,000 |
| Xfinity | Cable | 2,000 / 250 |
| Northcentral Electric Cooperative | Fiber | 1,000 / 1,000 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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