860 Lloyds Ln, Nesbit, MS 38651 Property Records

DeSoto County property record for 860 Lloyds Ln, Nesbit, MS 38651

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,429 sqft · built 2021
Lot Size	1.58 acres (68,825 sqft)
Owner	Individual Name on Record
Tax Bill	$2,775 (2025)
Deeds & Mortgages	May 2021 Second Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2-08-9-32-02-0-00027-00`

Property Details

APN / Parcel Number

Primary APN	`2-08-9-32-02-0-00027-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,429 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	68,825 sqft (1.58 acres)

Location & Zoning

Street Address	860 LLOYDS LN
City	NESBIT
State	MS
Zip	38651-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	RUSTIC RIDGE LOT 27
Legal Subdivision	RUSTIC RIDGE
Legal Lot Number	27
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	1
Census Block	1014
Census Tract	71122

Owner

Source: DeSoto County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	860 LLOYDS LN, NESBIT, MS 38651-1004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage INSOUTH BANK
Mar 2, 2022	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2022
Deed Sale	Mar 2, 2022
Deed Document Number	0000989266
Deed Book / Page	989 / 266
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	860 LLOYDS LN, NESBIT, MS 38651-1004
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2760 COLONY PARK DR 105, 105, MEMPHIS, TN 38118-2017

Mortgage

Document Number	005248/135
Date	May 20, 2021
Book Page	5248/135

Lender

Name	INSOUTH BANK
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 7, 2022

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 2, 2022
Property Address	860 LLOYDS LN, NESBIT, MS 38651-1004
Document Number	000989/266
Book / Page	989 / 266
Map Reference	MB 126 PG 17
Instrument Date	Mar 1, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	910 W SAN MARCOS BLVD # BLVD210, 910, SAN MARCOS, CA 92078-1115

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	860 LLOYDS LN, NESBIT, MS 38651-1004
Investor	Possibly a Property Investor

Mortgage

Document Number	0005476594
Date	Mar 2, 2022
Instrument	5476/594

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 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	$2,775.00 (+3.08%)	$36,833 (+38.15%) Land $3,500 Building $33,333	$368,329 (+38.15%) Land $35,000 Building $333,329
2023	$2,692.00	$26,662	$266,620 Land $35,000 Building $231,620

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

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	3 in force

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 50% of the US · above 55% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	DAYS WATER ASSOCIATION public/private · serves 2,825 people · EPA ID MS0170005
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024 Sanitary survey deficiency not corrected Feb 2022
Monitoring and Reporting	6 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Lloyds Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures