10776 Glen Cairn Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 10776 Glen Cairn Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,858 sqft · built 1965
Lot Size	0.321 acres (14,015 sqft)
Owner	Individual Name on Record
Tax Bill	$541 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-09-4-20-01-0-00142-00`

Property Details

APN / Parcel Number

Primary APN	`3-09-4-20-01-0-00142-00`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,858 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	14,015 sqft (0.321 acres)
Lot Dimensions	230 ft deep x 84 ft wide
Deck Area	36 sqft

Location & Zoning

Street Address	10776 GLEN CAIRN CV
City	HERNANDO
State	MS
Zip	38632-4362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	LAKE O THE HILLS SD SEC A. LOT 142
Legal Range	09
Legal Township	03
Legal Section	20
Legal Subdivision	LAKE O THE HILLS SD
Legal Lot Number	142
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2021
Census Tract	71200

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	10776 GLEN CAIRN CV, HERNANDO, MS 38632-4362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY MORTGAGE CORP
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage IXONIA BANK
Jun 10, 2019	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2019
Deed Sale	Jun 10, 2019
Deed Document Number	0000890112
Deed Book / Page	0890 / 112
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	10776 GLEN CAIRN CV, HERNANDO, MS 38632-4362
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004739/447
Date	Jun 10, 2019
Book Page	4739/447

Lender

Name	COMMUNITY MORTGAGE CORP
Type	Mortgage Company
Address	CORDOVA, TN 38018

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	10776 GLEN CAIRN CV, HERNANDO, MS 38632-4362
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10776 GLEN CAIRN CV, HERNANDO, MS 38632-4362

Mortgage

Document Number	005289/729
Date	Jul 12, 2021
Book Page	5289/729

Lender

Name	IXONIA BANK
Type	Bank
Address	WAUKESHA, WI 53186

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 1, 2046

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 10, 2019
Property Address	10776 GLEN CAIRN CV, HERNANDO, MS 38632-4362
Document Number	000890/112
Book / Page	0890 / 112
Map Reference	MB 2 PG 29
Instrument Date	May 31, 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	2785 RIDGE CV, 2785, HERNANDO, MS 38632-7158

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10776 GLEN CAIRN CV, HERNANDO, MS 38632-4362

Mortgage

Document Number	0004739463
Date	Jun 10, 2019
Instrument	4739/463

Lender

Name	COMMUNITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2029

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	$541.00 (+22.68%)	$10,079 (+38.3%) Land $1,000 Building $9,079	$100,786 (+38.29%) Land $10,000 Building $90,786
2023	$441.00	$7,288	$72,878 Land $10,000 Building $62,878

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	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 43% of Mississippi
Wildfire Likelihood	0.09% 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	EUDORA UTILITIES ASSOCIATION public/private · serves 3,749 people · EPA ID MS0170006
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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