6496 Payne Ln, Olive Branch, MS 38654 Property Records

DeSoto County property record for 6496 Payne Ln, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,276 sqft · built 2016
Lot Size	0.58 acres (25,254 sqft)
Owner	2 Individual Names on Record
Last Sale	$306,500 (Jun 2019)
Tax Bill	$2,581 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1-05-8-33-05-0-00093-00`

Property Details

APN / Parcel Number

Primary APN	`1-05-8-33-05-0-00093-00`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	3,276 sqft Adjusted Area
1st Floor Area	1,833 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	25,254 sqft (0.58 acres)
Lot Dimensions	198 ft deep x 127 ft wide

Location & Zoning

Street Address	6496 PAYNE LN
City	OLIVE BRANCH
State	MS
Zip	38654-9194
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Description	ESTATES OF KYLES CREEK SEC C LOT 93
Legal Range	005
Legal Township	01S
Legal Section	33
Legal Subdivision	ESTATES OF KYLES CREEK
Legal Lot Number	93
Jurisdiction	DESOTO MS
Township / Civil Division	1
Census Block Group	1
Census Block	1023
Census Tract	70830

Owner

Source: DeSoto County records, as of October 6, 2026

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	6496 PAYNE LN, OLIVE BRANCH, MS 38654-9194
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL/OMAHA MORTGAGE LLC
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Jun 10, 2019	Warranty Deed, Transfer · FHA Mortgage BANCORPSOUTH BANK
Jun 10, 2019	Warranty Deed, Transfer BRPS TITLE/TX LLC, BRPS TITLE OF TEXAS LLC
Jun 10, 2019	Quit Claim Deed, Transfer BRPS TITLE/TX LLC, BRPS TITLE OF TEXAS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2019 · Amount on Record
Deed Sale	Jun 10, 2019 · Amount on Record
Prior Sale	Jun 10, 2019
Deed Book / Page	890 / 84
Prior Transfer Date	May 15, 2019
Prior Transfer Doc	000890/080
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Recording Date	Apr 15, 2026
Property Address	6496 PAYNE LN, OLIVE BRANCH, MS 38654-9194
Document Number	5663040212
Book / Page	5663 / 40212
Instrument Date	Mar 26, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6496 PAYNE LN, OLIVE BRANCH, MS 38654-9194

Mortgage

Document Number	5663040212,
Date	Apr 15, 2026
Book Page	5663/40212

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	6496 PAYNE LN, OLIVE BRANCH, MS 38654-9194
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6496 PAYNE LN, OLIVE BRANCH, MS 38654-9194

Mortgage

Document Number	0005201/49
Date	Mar 31, 2021
Book Page	5201/49

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 10, 2019
Property Address	6496 PAYNE LN, OLIVE BRANCH, MS 38654-9194
Document Number	000890/084
Book / Page	0890 / 084
Map Reference	MB 116 PG 47
Instrument Date	May 31, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	BRPS TITLE/TX LLC, BRPS TITLE OF TEXAS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16230 N 71ST ST, 16230, SCOTTSDALE, AZ 85254-1591

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6496 PAYNE LN, OLIVE BRANCH, MS 38654-9194

Mortgage

Document Number	0004739189
Date	Jun 10, 2019
Instrument	4739/189

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 10, 2019
Property Address	6496 PAYNE LN, OLIVE BRANCH, MS 38654-9194
Document Number	000890/082
Book / Page	0890 / 082
Map Reference	MB 116 PG 47
Instrument Date	May 21, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	BRPS TITLE/TX LLC, BRPS TITLE OF TEXAS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6496 PAYNE LN, 6496, OLIVE BRANCH, MS 38654-9194

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16260 N 71ST ST, SCOTTSDALE, AZ 85254-1591
Investor	Possibly a Property Investor

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 10, 2019
Property Address	6496 PAYNE LN, OLIVE BRANCH, MS 38654-9194
Document Number	000890/080
Book / Page	0890 / 080
Map Reference	MB 116 PG 47
Instrument Date	May 15, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	BRPS TITLE/TX LLC, BRPS TITLE OF TEXAS LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7519 SEBRING DR, 7519, MEMPHIS, TN 38119-9036

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	6496 PAYNE LN, OLIVE BRANCH, MS 38654-9194

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	$2,581.00 (+14.41%)	$31,297 (+38.68%) Land $3,000 Building $28,297	$312,971 (+38.69%) Land $30,000 Building $282,971
2023	$2,256.00	$22,567	$225,668 Land $30,000 Building $195,668

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	7 (2007–2020)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Jun 2020
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding, Apr 2011 · 2 claims

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	Moderate above 48% of the US · above 50% of Mississippi
Wildfire Likelihood	0.1% 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 186 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
Brightspeed Fiber	940 / 940
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

6496 Payne Ln, Olive Branch, MS 38654 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

June 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Payne Ln

Nearby Streets

Search Property Records by Address or Parcel Number