4045 Upper Valley Cv, Olive Branch, MS 38654 Property Records

DeSoto County property record for 4045 Upper Valley Cv, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,258 sqft · built 2003
Lot Size	0.348 acres (15,156 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,500 (Mar 2020)
Tax Bill	$2,046 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`2-05-3-07-07-0-00234-00`

Property Details

APN / Parcel Number

Primary APN	`2-05-3-07-07-0-00234-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,258 sqft Adjusted Area
1st Floor Area	2,746 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Hip
Roof Material	Shingle
Lot Area	15,156 sqft (0.348 acres)
Lot Dimensions	141 ft deep x 107 ft wide
Patio Area	192 sqft

Location & Zoning

Street Address	4045 UPPER VALLEY CV
City	OLIVE BRANCH
State	MS
Zip	38654-6094
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	FOREST HILL COMMUNITY PHASE 4 LOT 234
Legal Range	005
Legal Township	02S
Legal Section	07
Legal Subdivision	FOREST HILL COMMUNITY PH 4
Legal Phase	4
Legal Lot Number	234
Jurisdiction	DESOTO MS
Township / Civil Division	1
Census Block Group	3
Census Block	3032
Census Tract	70830

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4045 UPPER VALLEY CV, OLIVE BRANCH, MS 38654-6094
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 13, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2020 · Amount on Record
Deed Sale	Mar 6, 2020 · Amount on Record
Prior Sale	Sep 25, 2014
Deed Book / Page	914 / 268
Prior Transfer Date	Mar 8, 2019
Prior Transfer Doc	000882/625
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 6, 2020
Property Address	4045 UPPER VALLEY CV, OLIVE BRANCH, MS 38654-6094
Document Number	000914/268
Book / Page	914 / 268
Map Reference	MB 81 PG 9-12
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	PREFERRED TITLE/FL LLC, PREFERRED T&E LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4045 UPPER VALLEY CV, 4045, OLIVE BRANCH, MS 38654-6094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6541 SANDBOURNE E, OLIVE BRANCH, MS 38654-8468

Mortgage

Document Number	0004899001
Date	Mar 6, 2020
Instrument	4899/001

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Mar 13, 2019
Property Address	4045 UPPER VALLEY CV, OLIVE BRANCH, MS 38654-6094
Document Number	000882/625
Book / Page	0882 / 625
Map Reference	MB 81 PG 9-12
Instrument Date	Mar 8, 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	4045 UPPER VALLEY CV, OLIVE BRANCH, MS 38654-6094

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,046.00 (+15.27%)	$28,451 (+37.08%) Land $3,500 Building $24,951	$284,508 (+37.08%) Land $35,000 Building $249,508
2023	$1,775.00	$20,755	$207,554 Land $35,000 Building $172,554

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

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
Nearby Flood Claims	1 (2019)
Most Recent Claim	Jun 2019 · other causes

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

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

Wildfire Risk	Low lower than 67% of the US · lower than 84% 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.

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 219 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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