4305 Spring Valley Dr, Olive Branch, MS 38654 Property Records

DeSoto County property record for 4305 Spring Valley Dr, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,405 sqft · built 1998
Lot Size	1.11 acres (48,352 sqft)
Owner	2 Individual Names on Record
Last Sale	$314,400 (Dec 2019)
Tax Bill	$3,135 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Apr 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2-06-3-07-04-0-00017-00`

Property Details

APN / Parcel Number

Primary APN	`2-06-3-07-04-0-00017-00`

Interior

Bedrooms	4 Beds
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,405 sqft Adjusted Area
1st Floor Area	2,600 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	48,352 sqft (1.11 acres)

Location & Zoning

Street Address	4305 SPRING VALLEY DR
City	OLIVE BRANCH
State	MS
Zip	38654-7256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	SPRING VALLEY NORTH S-D LOT 17
Legal Range	006
Legal Township	02S
Legal Section	07
Legal Subdivision	SPRING VALLEY NORTH S-D
Legal Lot Number	17
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1036
Census Tract	70721

Owner

Source: DeSoto County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4305 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7256
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANKPLUS
Nov 13, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 16, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 4, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE INVESTORS GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2019 · Amount on Record
Deed Sale	Dec 4, 2019 · Amount on Record
Deed Book / Page	906 / 166
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4305 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7256
Transaction Type	Mortgage
Record Updated	Jan 26, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7256

Mortgage

Document Number	005656/587
Date	Jan 11, 2023
Book Page	5656/587

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Sep 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4305 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7256
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004333/205
Date	Apr 11, 2017
Book Page	4333/205

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4305 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7256
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7256

Mortgage

Document Number	005088/687
Date	Nov 13, 2020
Book Page	5088/687

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Dec 1, 2049

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4305 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7256
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7256

Mortgage

Document Number	005550/409
Date	Jun 16, 2022
Book Page	5550/409

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Sep 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 4, 2019
Property Address	4305 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7256
Document Number	000906/166
Book / Page	0906 / 166
Map Reference	MB 59 PG 16
Instrument Date	Nov 21, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5225 CRAWFORD RD, 5225, HERNANDO, MS 38632-6766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4305 SPRING VALLEY DR, OLIVE BRANCH, MS 38654-7256

Mortgage

Document Number	0004846710
Date	Dec 4, 2019
Instrument	4846/710

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

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	$3,135.00 (+18.44%)	$29,674 (+37.39%) Land $3,500 Building $26,174	$296,744 (+37.39%) Land $35,000 Building $261,744
2023	$2,647.00	$21,599	$215,994 Land $35,000 Building $180,994

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	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

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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