3980 Spring Lakes Cir, Olive Branch, MS 38654 Property Records

DeSoto County property record for 3980 Spring Lakes Cir, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,252 sqft · built 1996
Lot Size	0.327 acres (14,259 sqft)
Owner	Individual Name on File
Last Sale	$251,000 (Jun 2021)
Tax Bill	$2,113 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-06-4-18-01-0-00001-00`

Property Details

APN / Parcel Number

Primary APN	`2-06-4-18-01-0-00001-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,252 sqft Adjusted Area
1st Floor Area	1,323 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	14,259 sqft (0.327 acres)
Lot Dimensions	103 ft deep x 77 ft wide
Patio Area	168 sqft

Location & Zoning

Street Address	3980 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 OVERLA
Legal Description	COLLEGE HILLS PUD S-D 1ST REV LOT 1
Legal Range	006
Legal Township	02S
Legal Section	18
Legal Subdivision	COLLEGE HILLS PUD S-D
Legal Lot Number	1
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	3
Census Block	3003
Census Tract	70722

Owner

3980 Spring Lakes Cir is owned and occupied by an individual who bought it in June 2021.

Source: DeSoto County records, as of December 23, 2025

Owner of Record	Individual Name on File
Mailing Address	3980 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
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC
Jun 10, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP
Jul 19, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2021 · Amount on File
Deed Sale	Jun 10, 2021 · Amount on File
Deed Book / Page	960 / 759
Prior Transfer Date	Mar 26, 2019
Prior Transfer Doc	000893/660
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3980 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	004820/010
Date	Oct 21, 2019
Book Page	4820/010

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2029

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 10, 2021
Property Address	3980 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693
Document Number	000960/759
Book / Page	960 / 759
Map Reference	MB 55 PG 3
Instrument Date	May 27, 2021
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	ALTA TITLE AND ESCROW, REALTY TITLE AND ESCROW

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3980 SPRING LAKES CIR, 3980, OLIVE BRANCH, MS 38654-8693

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3980 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693

Mortgage

Document Number	0005263470
Date	Jun 10, 2021
Instrument	5263/470

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Jul 19, 2019
Property Address	3980 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693
Document Number	000893/660
Book / Page	0893 / 660
Map Reference	MB 55 PG 3
Instrument Date	Mar 26, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3980 SPRING LAKES CIR, OLIVE BRANCH, MS 38654-8693

Tax Assessment & Valuation

The 2025 property tax bill for 3980 Spring Lakes Cir was $2,113.

Source: DeSoto County assessment roll, as of December 15, 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	$2,113.00	$20,842 Land $3,000 Building $17,842	$208,423 Land $30,000 Building $178,423
2023	$1,629.00	$14,139	$141,385 Land $30,000 Building $111,385

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.

Flood

FEMA maps place 3980 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 3980 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.

Nearby Properties on Spring Lakes Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures