3972 Spring Lakes Cir, Olive Branch, MS 38654 Property Records

DeSoto County property record for 3972 Spring Lakes Cir, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,136 sqft · built 2000
Lot Size	0.17 acres (7,432 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,985 (2025)
Deeds & Mortgages	May 2018 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-06-4-18-01-0-00002-00`

Property Details

APN / Parcel Number

Primary APN	`2-06-4-18-01-0-00002-00`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,136 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	Hip
Roof Material	Shingle
Lot Area	7,432 sqft (0.17 acres)
Lot Dimensions	153 ft deep x 50 ft wide

Location & Zoning

Street Address	3972 SPRING LAKES CIR
City	OLIVE BRANCH
State	MS
Zip	38654-8693
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R OVERLAY
Legal Description	COLLEGE HILLS PUD S-D 1ST REV LOT 2
Legal Range	06
Legal Township	02
Legal Section	18
Legal Subdivision	COLLEGE HILLS PUD S-D
Legal Lot Number	2
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	3
Census Block	3003
Census Tract	70722

Owner

3972 Spring Lakes Cir is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3972 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693
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 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK
Sep 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK
Aug 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000749311
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3972 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004537/280
Date	May 8, 2018
Book Page	4537/280
Instrument	T04537-00280

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 13, 2023

Interest

Rate Type	Fixed Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3972 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004610/323
Date	Sep 21, 2018
Book Page	4610/323

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3972 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005012/673
Date	Aug 11, 2020
Book Page	5012/673

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	METCALFE, MS 38760

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3972 Spring Lakes Cir was $1,985.

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	$1,985.00	$19,740 Land $3,000 Building $16,740	$197,397 Land $30,000 Building $167,397
2023	$1,692.00	$14,596	$145,964 Land $30,000 Building $115,964

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

Flood

FEMA maps place 3972 Spring Lakes Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 3972 Spring Lakes Cir is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 81% of Mississippi
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	CITY OF OLIVE BRANCH serves 54,025 people · EPA ID MS0170015
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jan 2010
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 76 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

May also be available: Verizon.

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