838 Cloverleaf Dr, Southaven, MS 38671 Property Records

DeSoto County property record for 838 Cloverleaf Dr, Southaven, MS 38671

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,887 sqft · built 1986
Lot Size	0.319 acres (13,885 sqft)
Owner	Individual Name on File
Last Sale	$312,500 (Nov 2022)
Tax Bill	$1,823 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-07-9-31-03-0-00122-00`

Property Details

APN / Parcel Number

Primary APN	`1-07-9-31-03-0-00122-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,887 sqft Adjusted Area
1st Floor Area	1,615 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	13,885 sqft (0.319 acres)
Lot Dimensions	125 ft deep x 126 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	838 CLOVERLEAF DR
City	SOUTHAVEN
State	MS
Zip	38671-9497
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-9
Legal Description	SOUTHERN PINES S-D PART A LOT 122
Legal Range	007
Legal Township	01S
Legal Section	31
Legal Subdivision	SOUTHERN PINES S-D
Legal Lot Number	122
Jurisdiction	DESOTO MS
Township / Civil Division	2
Census Block Group	2
Census Block	2011
Census Tract	70632

Owner

838 Cloverleaf Dr is owned and occupied by an individual who bought it in November 2022.

Source: DeSoto County records, as of September 8, 2026

Owner of Record	Individual Name on File
Mailing Address	838 CLOVERLEAF DR, SOUTHAVEN, MS 38671-9497
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
Aug 25, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 15, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 21, 2022	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
Aug 28, 2019	Warranty Deed, Transfer · FHA Mortgage PRIORITYONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2022 · Amount on File
Deed Sale	Nov 21, 2022 · Amount on File
Prior Sale	Aug 28, 2019 · Amount on File
Deed Book / Page	1018 / 318
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	838 CLOVERLEAF DR, SOUTHAVEN, MS 38671-9497
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 CLOVERLEAF DR, SOUTHAVEN, MS 38671-9497

Mortgage

Document Number	005326/764
Date	Aug 25, 2021
Book Page	5326/764

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Nov 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	838 CLOVERLEAF DR, SOUTHAVEN, MS 38671-9497
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004991/366
Date	Jul 15, 2020
Book Page	4991/366

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	352 Months
Due	Nov 1, 2049

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Nov 21, 2022
Property Address	838 CLOVERLEAF DR, SOUTHAVEN, MS 38671-9497
Document Number	001018/318
Book / Page	1018 / 318
Map Reference	MB 21 PG 43-46
Instrument Date	Nov 17, 2022
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	965 CEDAR GROVE PKWY, 965, HERNANDO, MS 38632-6658

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 CLOVERLEAF DR, SOUTHAVEN, MS 38671-9497

Mortgage

Document Number	0005635589
Date	Nov 21, 2022
Instrument	5635/589

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 28, 2019
Property Address	838 CLOVERLEAF DR, SOUTHAVEN, MS 38671-9497
Document Number	000897/630
Book / Page	0897 / 630
Map Reference	MB 21 PG 43-46
Instrument Date	Aug 28, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	SLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3835 HILLTOP DR, 3835, HORN LAKE, MS 38637-1032

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 CLOVERLEAF DR, SOUTHAVEN, MS 38671-9497

Mortgage

Document Number	0004787109
Date	Aug 28, 2019
Instrument	4787/109

Lender

Name	PRIORITYONE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 838 Cloverleaf Dr was $1,823.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,823.00	$17,460 Land $2,100 Building $15,360	$174,597 Land $21,000 Building $153,597
2023	$1,560.00	$12,800	$128,003 Land $21,000 Building $107,003

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 838 Cloverleaf Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Jul 2005 · 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

Wildfire risk around 838 Cloverleaf 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 64% of the US · lower than 81% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: C Spire Wireless.

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