4287 Spring Valley Dr, Olive Branch, MS 38654 Property Records

DeSoto County property record for 4287 Spring Valley Dr, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,529 sqft · built 1998
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,231 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-06-3-07-04-0-00018-00`

Property Details

APN / Parcel Number

Primary APN	`2-06-3-07-04-0-00018-00`

Interior

Bedrooms	3 Beds
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,529 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	46,609 sqft (1.07 acres)

Location & Zoning

Street Address	4287 SPRING VALLEY DR
City	OLIVE BRANCH
State	MS
Zip	38654-7260
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	SPRING VALLEY NORTH S-D LOT 18
Legal Range	06
Legal Township	02
Legal Section	07
Legal Subdivision	SPRING VALLEY NORTH S-D
Legal Lot Number	18
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1036
Census Tract	70721

Owner

4287 Spring Valley Dr is owned and occupied by two individuals.

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	4287 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7260
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 26, 2026	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Mar 30, 2020	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000433542
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4287 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7260
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4287 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7260

Mortgage

Document Number	5663/31837
Date	Mar 26, 2026
Book Page	5663/31837

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	GERMANTOWN, TN 38138

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4287 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7260
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004913/679
Date	Mar 30, 2020
Book Page	4913/679

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38118

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4287 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7260
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4287 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7260

Mortgage

Document Number	005326/563
Date	Aug 25, 2021
Book Page	5326/563

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 4287 Spring Valley Dr was $3,231.

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	$3,231.00	$30,495 Land $3,500 Building $26,995	$304,954 Land $35,000 Building $269,954
2023	$2,726.00	$22,172	$221,721 Land $35,000 Building $186,721

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

Flood

FEMA maps place 4287 Spring Valley Dr 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 4287 Spring Valley Dr 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 62% of the US · lower than 79% 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Northcentral Connect Fiber	1,000 / 1,000

May also be available: C Spire Wireless.

Cell Coverage

5G (outdoors only) and 4G LTE

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