4040 Pass Cv, Olive Branch, MS 38654 Property Records

DeSoto County property record for 4040 Pass Cv, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,065 sqft · built 2018
Lot Size	0.259 acres (11,308 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,140 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2-06-2-09-11-0-00186-00`

Property Details

APN / Parcel Number

Primary APN	`2-06-2-09-11-0-00186-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,065 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	11,308 sqft (0.259 acres)
Patio Area	286 sqft

Location & Zoning

Street Address	4040 PASS CV
City	OLIVE BRANCH
State	MS
Zip	38654-1000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	GWIN FARMS PHASE 3 LOT 186
Legal Range	06
Legal Township	02
Legal Section	09
Legal Subdivision	GWIN FARMS PH 3
Legal Phase	3
Legal Lot Number	186
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1009
Census Tract	70721

Owner

4040 Pass Cv is owned and occupied by two individuals who acquired it in September 2022.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000
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
Mar 2, 2026	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Oct 1, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 21, 2022	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Nov 7, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 21, 2022
Deed Sale	Sep 21, 2022
Prior Sale	Nov 7, 2018
Deed Document Number	0001012467
Deed Book / Page	1012 / 467
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000

Mortgage

Document Number	5663/21503
Date	Mar 2, 2026
Book Page	5663/21503

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000

Mortgage

Document Number	005351/734
Date	Sep 23, 2021
Book Page	5351/734

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000

Mortgage

Document Number	005056/535
Date	Oct 1, 2020
Book Page	5056/535

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Dec 1, 2048

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Sep 21, 2022
Property Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000
Document Number	001012/467
Book / Page	1012 / 467
Map Reference	MB 116 PG 36
Instrument Date	Sep 12, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 VAUGHN LN, 144, OLIVE BRANCH, MS 38654-8992

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000

Mortgage

Document Number	0005605530
Date	Sep 21, 2022
Instrument	5605/530

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Nov 7, 2018
Property Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000
Document Number	000872/462
Book / Page	0872 / 462
Map Reference	MB 116 PG 36
Instrument Date	Nov 6, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 29, 2022
Title Company	NOT AVAILABLE, MEMPHIS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	177 CRESCENT DR, 177, GERMANTOWN, TN 38138

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4040 PASS CV, OLIVE BRANCH, MS 38654-1000

Mortgage

Document Number	0004633349
Date	Nov 7, 2018
Instrument	4633/349

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4040 Pass Cv was $3,140.

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	$3,140.00	$29,713 Land $2,800 Building $26,913	$297,126 Land $28,000 Building $269,126
2023	$2,920.00	$21,402	$214,021 Land $28,000 Building $186,021

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

Flood

FEMA maps place 4040 Pass Cv in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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	6 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Jul 2017

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 4040 Pass Cv is low, with a 0.05% 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	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 144 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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