FILE 493 / 16 May 2024 / 162 MIN / full

Burning Your BFF

Horn Lake, MississippiListen

The town

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We are going to Horn Lake, Mississippi... in the severe northwestern part of Mississippi... it's a suburb of Memphis... this is in DeSoto County. about 0:05:11

History, in brief

Town note

Horn Lake was named after an oxbow lake three miles west, a former riverbed of the Mississippi River left behind when the river changed course.

about 0:06:56

Town note

The stranded water looked like a cow horn and became known as Horn Lake.

about 0:07:42

1765

The river is thought to have changed course sometime between 1765 and 1795.

about 0:07:51

Town note

Settlers cleared the wilderness for subsistence farming, then cotton became the major cash crop and the railroad arrived.

about 0:08:46
All 10 history facts

Town note

Horn Lake was named after an oxbow lake three miles west, a former riverbed of the Mississippi River left behind when the river changed course.

about 0:06:56

Town note

The stranded water looked like a cow horn and became known as Horn Lake.

about 0:07:42

1765

The river is thought to have changed course sometime between 1765 and 1795.

about 0:07:51

Town note

Settlers cleared the wilderness for subsistence farming, then cotton became the major cash crop and the railroad arrived.

about 0:08:46

Town note

Freight marked Horn Lake was dropped off in a pile on Goodman Road before there was a post office.

about 0:09:06

1967

Elvis Presley bought the Circle G Ranch, formerly Twinkle Town Farm, in 1967 for $437,000 and sold it in 1969.

about 0:09:51

1967

Elvis and Priscilla spent a few days at the ranch after their wedding in May 1967, and it became known as Elvis's Honeymoon Cottage.

about 0:11:16

1844

The octagonal house was built in 1844 as a gift for a doctor's bride, a three-level, eight-sided house on Horn Lake Road just south of Nale Road.

about 0:12:53

Town note

The area code is 662 and the town motto is Doorway to Mississippi.

about 0:06:41

The figures, as told

Religious

55%

Biggest faith: Baptists, 32.7%

about 0:18:09

Who lives here

White 49.5% · Black 41.3% · Asian 0.8% · Hispanic 6.1%

Ethnicity can overlap race.

Crime / national average

Property crime
right at average

about 0:26:18

Violent crime
▼ about one third

about 0:26:22

Money

Median home value$171,000
Two-bedroom rent$1,070
Median household income$54,783
Cost of living92

For sale

$150,000

Two-bedroom, two-bath house of 1,049 square feet

about 0:20:00

For sale

$335,000

Four-bedroom, three-bath house of 2,068 square feet

about 0:21:41

For sale

$429,500

Five-bedroom, four-bath house of 2,928 square feet on 1.1 acres

about 0:21:10
All figures and comparisons, as told in 2024

Population

"26,623"

No direction stated.

As told in 2024 about 0:17:19

Female residents

"53%"

Comparison: "way more females than males". No direction stated.

As told in 2024 about 0:17:30

Median age

"about 33"

Comparison: "about four years under the average". Direction: below.

As told in 2024 about 0:17:35

White residents

"49.5%"

No direction stated.

As told in 2024 about 0:17:58

Black residents

"41.3%"

No direction stated.

As told in 2024 about 0:17:58

Asian residents

"0.8%"

No direction stated.

As told in 2024 about 0:17:58

Hispanic residents

"6.1%"

No direction stated.

As told in 2024 about 0:17:58

Religious residents

"55%"

No direction stated.

As told in 2024 about 0:18:09

Unemployment rate

"about 5.3%"

Comparison: "national average of about 4". No direction stated.

As told in 2024 about 0:18:32

Median household income

"$54,783"

Comparison: "about $15,000 below the national average". Direction: below.

As told in 2024 about 0:18:42

Cost of living index

"92"

Comparison: "100 is average". Direction: below.

As told in 2024 about 0:18:48

Median home cost

"$171,000"

No direction stated.

As told in 2024 about 0:18:56

Average two-bedroom rent

"$1,070"

Comparison: "a couple of hundred below the national average". Direction: below.

As told in 2024 about 0:19:25

Two-bedroom, two-bath house of 1,049 square feet

"$150,000"

No direction stated.

As told in 2024 about 0:20:00

Four-bedroom, three-bath house of 2,068 square feet

"$335,000"

No direction stated.

As told in 2024 about 0:21:41

Five-bedroom, four-bath house of 2,928 square feet on 1.1 acres

"$429,500"

No direction stated.

As told in 2024 about 0:21:10

Property crime

"right at average"

Comparison: "national average". Direction: about the same.

As told in 2024 about 0:26:18

Violent crime

"about one third"

Comparison: "national average". Direction: below.

As told in 2024 about 0:26:22

The reviews

3.6 / 5 · average of 5

5 stars

“A nice place to live, but it needs a Whole Foods and too many warehouses are going up.”
about 0:13:17

4 stars

“Moved there in ninth grade, now 24, has had no problems, small town with a great commute, a fairly new Walmart, Kroger, a hospital and shopping malls, and likes the cove.”
about 0:13:56

4 stars

“Memphis is forever my first love, full of love and pride, unlike anywhere else.”
about 0:15:37

3 stars

“Not a lot of sense of community.”
about 0:16:13

2 stars

“Rambling about crime and violence in Memphis, race wars across America and the crime rate dropping.”
about 0:16:24

In Mississippi

Closest episodes

  1. Kill And Let LiveHorseshoe Lake, Arkansas · 23 November 202424 km / 15 miShow on map
  2. A Quadruple Murder in MississippiSarah, Mississippi · 18 January 201745 km / 28 miShow on map
  3. Four Letter MurderFalkner, Mississippi · 12 April 2025101 km / 63 miShow on map
  4. The Cookie MonsterWalnut, Mississippi · 26 September 2019103 km / 64 miShow on map
  5. Murdering As A FamilyJonesboro, Arkansas · 19 April 2025112 km / 70 miShow on map

The story

Lula Welch Young was born in 1947 and grew up moving between Arkansas and Mississippi with her parents, Oscar and Flora Welch, her brothers Randy and Bobby and her sisters Nettie and Margaret. In the mid-1960s she married her high school sweetheart; the couple had two children, Michael and Stacy, before separating in 1978 and divorcing around 1981. Left to raise the children, Lula worked for a time as a secretary on the oncology floor of a hospital, then trained as an EMT and took her nursing licence, later working as a medical transcriber at Baptist Memorial Hospital in Memphis and as a licensed practical nurse. She also volunteered with the Horn Lake Fire Department, first as a bookkeeper and later on the ambulance crew.

The friendship became the centre of both women's lives. They minded each other's children, shopped for one another, trained as nurses together and eventually started a small home healthcare business.

In 1989 Lula was diagnosed with breast cancer. She had a radical mastectomy in April 1990, and when the cancer returned she was given a terminal diagnosis in 1990 or 1991. She underwent chemotherapy and radiation, and by the late summer of 1994, weeks after a Welch family reunion in September, her doctors told her the cancer was in full remission. She was forty-seven.

Unknown to her family, four insurance policies had been taken out on Lula's life. A $75,000 Met Life policy was acquired on 21 May 1992, a $200,000 Met Life policy on 15 November 1992, a $500,000 Nationwide policy on 22 August 1994 with a further $200,000 accidental death benefit, and a $38,000 policy on 21 November 1994, less than a month before the fire, which would clear the loan on her pickup truck.

Shortly after 5.30 am on 19 December 1994, explosions woke the neighbourhood. The fire was reported at 5.57 am and the house was through the roof by 6.01. Firefighters found Lula between the foot of her bed and the wall, unconscious but alive, with first and second degree burns to her chest and stomach; she died of smoke inhalation and carbon monoxide poisoning before the ambulance arrived. The fire was first blamed on a frayed extension cord running to a space heater. A propane tank was found with its valve open about a quarter turn, and several oxygen bottles were inside the house, which explained the explosions.

The fire chief said no grill was found, only the tank. Investigators found more sleeping pills in Lula's system than a normal dose, and for a time considered suicide, but her son Michael insisted she had not been depressed. The death was ruled accidental. The fire had burned too hot and too fast, however, and the space heater and propane tank had been found close together.

A Nationwide agent, Brenda Driver, had sold the $500,000 policy. Nationwide refused to pay the $500,000. A handwriting expert concluded that Lula's signature on the policies had been forged.

Police wired him, but the recording produced nothing.

On the night before the fire he parked in Lula's driveway, went inside, forced her to take sleeping pills so she would not suffer, put crushed newspaper beside the heater, opened the propane valve, switched the heater on and frayed its cord to make the blaze look accidental.

She laughed as bailiffs led her out. Lula Young is buried at La Flore cemetery in Grenada County, Mississippi.

The case

Murder of Lula Welch Young

Victims

Lula Welch Young (47). Nurse and medical transcriber, volunteer bookkeeper and ambulance crew member with the Horn Lake Fire Department, killed in a fire at her home weeks after being told her cancer was in remission.

Accused and outcomes

As told in the episode, on 16 May 2024.

Accused

Accused

Accused

Accused

Accused

Outcome

Other people

Stacy Young. Lula's daughter, who said her mother trusted with her life
Flora Welch. Lula's mother, who did not want to profit from a death and was named second beneficiary
Nettie. Lula's sister
Margaret. Lula's younger sister
Randy Welch. Lula's brother
Bobby Welch. Lula's brother
Brenda Driver. Nationwide insurance agent who sold the $500,000 policy and saw alive at Walmart
Jeff Pounders. DeSoto County coroner
Mike Moore. Horn Lake deputy fire chief
Michael Casey. Firefighter who found Lula's body
Eddie Ryles. Neighbour who heard the explosions and spoke to
John Champion. DeSoto County district attorney
Bob Whitwell. attorney, a former US attorney who took the case for nothing
William Massey. Defence attorney in closing arguments
Robert Stovall. Mentally disabled man cared for by mother; policies were taken out on his life and a murder plot was planned
Joy. Shirley Winters's daughter, mentioned in the closing update

The timeline

  1. 1947 Lula Welch is born.about 0:38:05
  2. 1977 or 1978 and Lula meet as young mothers living on the same cove. (DeSoto Village subdivision)about 0:43:53
  3. 1978 Lula and her husband separate.about 0:38:41
  4. 1981 Lula and her husband divorce.about 0:38:47
  5. 1989 Lula is diagnosed with breast cancer. (Baptist Memorial Hospital)about 0:51:50
  6. April 1990 Lula has a radical mastectomy. (Baptist Memorial Hospital)about 0:52:48
  7. 1990 Lula's father Oscar Welch dies.about 0:55:12

Places and phrases

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Places in the story

Public places are marked on the map.

Heard in this episode