DeSoto County property record for 4295 Ridgemont Rd, Olive Branch, MS 38654
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,113 sqft · built 2018 |
| Lot Size | 0.23 acres (10,035 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Apr 2023) |
| Tax Bill | $2,490 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-06-1-11-14-0-00062-00 |
| Primary APN | 2-06-1-11-14-0-00062-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 2,113 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 10,035 sqft (0.23 acres) |
| Lot Width | 70 ft Width |
| Street Address | 4295 RIDGEMONT RD |
|---|---|
| City | OLIVE BRANCH |
| State | MS |
| Zip | 38654-5552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | NORTH COLLEGE CROSSING LOT 62 |
| Legal Range | 06 |
| Legal Township | 02 |
| Legal Section | 11 |
| Legal Subdivision | NORTH COLLEGE CROSSING |
| Legal Lot Number | 62 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 70721 |
4295 Ridgemont Rd is owned and occupied by an individual who bought it in April 2023.
Source: DeSoto County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4295 RIDGEMONT RD, OLIVE BRANCH, MS 38654-5552 |
| 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.
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING |
| Apr 19, 2018 | Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK |
| Oct 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK |
| Apr 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 2, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage RENASANT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2023 · Amount on File |
| Deed Sale | Apr 26, 2023 · Amount on File |
| Prior Sale | Jan 2, 2019 |
| Deed Document Number | 0010236655 |
| Deed Book / Page | 1023 / 6655 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Jul 9, 2026 |
| Property Address | 4295 RIDGEMONT RD, OLIVE BRANCH, MS 38654-5552 |
| Document Number | 5663077170 |
| Book / Page | 5663 / 77170 |
| Instrument Date | Jun 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 4295 RIDGEMONT RD, OLIVE BRANCH, MS 38654-5552 |
| Document Number | 5663077170, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 5663/77170 |
| Name | PLANET HOME LENDING |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4295 RIDGEMONT RD, OLIVE BRANCH, MS 38654-5552 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 004526/046 |
|---|---|
| Date | Apr 19, 2018 |
| Book Page | 04526/046 |
| Instrument | T04526-00046 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 18, 2019 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4295 RIDGEMONT RD, OLIVE BRANCH, MS 38654-5552 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 004821/733 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 4821/733 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Apr 26, 2023 |
| Property Address | 4295 RIDGEMONT RD, OLIVE BRANCH, MS 38654-5552 |
| Document Number | 01023/6655 |
| Book / Page | 1023 / 6655 |
| Map Reference | MB 105 PG 6 |
| Instrument Date | Apr 26, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2025 |
| Title Company | FOUNDATION T&E SERIES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3911 FIELDSTREAM DR N, MINERAL WELLS, MS 38654-1451 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4295 IDGEMOND ROAD, OLIVE BRANCH, MS 38654 |
| Document Number | 0566032113 |
|---|---|
| Date | Apr 26, 2023 |
| Instrument | 5660/32113 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Jan 2, 2019 |
| Property Address | 4295 RIDGEMONT RD, OLIVE BRANCH, MS 38654-5552 |
| Document Number | 000876/528 |
| Book / Page | 0876 / 528 |
| Map Reference | MB 105 PG 6 |
| Instrument Date | Dec 27, 2018 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 26, 2023 |
| Title Company | NOT AVAILABLE, MEMPHIS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3420 S HOUSTON LEVEE RD, GERMANTOWN, TN 38139-8017 |
| Name | Verified Name |
|---|---|
| Address | 4295 RIDGEMONT RD, OLIVE BRANCH, MS 38654-5552 |
| Document Number | 0004659083 |
|---|---|
| Date | Jan 2, 2019 |
| Instrument | 4659/083 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2049 |
The 2025 property tax bill for 4295 Ridgemont Rd was $2,490.
Source: DeSoto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Olive Branch City |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,490.00 | $21,512 Land $3,000 Building $18,512 | $215,115 Land $30,000 Building $185,115 |
| 2023 | $1,851.00 | $15,765 | $157,648 Land $30,000 Building $127,648 |
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.
FEMA maps place 4295 Ridgemont Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.
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 | 4 in force |
| Nearby Flood Claims | 3 (2013–2025) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | May 2025 · rainfall accumulation |
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 risk around 4295 Ridgemont Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 195 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 |
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