10888 Glen Cairn Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 10888 Glen Cairn Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,769 sqft · built 2004
Lot Size	0.292 acres (12,703 sqft)
Owner	Individual Name on Record
Last Sale	$242,967 (Dec 2025)
Tax Bill	$788 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Aug 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-09-4-20-01-0-00150-00`

Property Details

APN / Parcel Number

Primary APN	`3-09-4-20-01-0-00150-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,769 sqft Adjusted Area
1st Floor Area	1,080 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,703 sqft (0.292 acres)
Lot Dimensions	190 ft deep x 44 ft wide

Location & Zoning

Street Address	10888 GLEN CAIRN CV
City	HERNANDO
State	MS
Zip	38632-4363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	LAKE O THE HILLS SD SEC A. LOT 150
Legal Range	009
Legal Township	03S
Legal Section	20
Legal Subdivision	LAKE O THE HILLS SD
Legal Lot Number	150
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2021
Census Tract	71200

Owner

Source: DeSoto County records, as of March 23, 2026

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
Mailing Address	10888 GLEN CAIRN CV, HERNANDO, MS 38632-4363
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2025	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Aug 21, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Dec 2, 2025	Warranty Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC
Apr 24, 2020	Warranty Deed, Transfer · FHA Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2025 · Amount on Record
Deed Sale	Dec 2, 2025 · Amount on Record
Prior Sale	Apr 24, 2020 · Amount on Record
Deed Document Number	2025
Deed Book / Page	1025 / 23178
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	10888 GLEN CAIRN CV, HERNANDO, MS 38632-4363
Transaction Type	Mortgage
Record Updated	Dec 17, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10888 GLEN CAIRN CV, HERNANDO, MS 38632-4363

Mortgage

Document Number	05662/1923
Date	Jan 9, 2025
Book Page	5662/1923

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	304 Months
Due	May 1, 2050

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	10888 GLEN CAIRN CV, HERNANDO, MS 38632-4363
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10888 GLEN CAIRN CV, HERNANDO, MS 38632-4363

Mortgage

Document Number	5660/75734
Date	Aug 21, 2023
Book Page	5660/75734

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 2, 2025
Property Address	10888 GLEN CAIRN CV, HERNANDO, MS 38632-4363
Document Number	1025/23178
Book / Page	1025 / 23178
Map Reference	MB 2 PG 29-33
Instrument Date	Nov 25, 2025
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	UNKNOWN, HOME SURETY T&E LLC

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1853 SOUTHAVEN CIR N, SOUTHAVEN, MS 38671-2931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10888 GLEN CAIRN CV, HERNANDO, MS 38632-4363

Mortgage

Document Number	5662125575
Date	Dec 2, 2025
Instrument	5662/125575

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 24, 2020
Property Address	10888 GLEN CAIRN CV, HERNANDO, MS 38632-4363
Document Number	000917/625
Book / Page	917 / 625
Map Reference	MB 2 PG 29-33
Instrument Date	Apr 22, 2020
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

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004930636
Date	Apr 24, 2020
Instrument	4930/636

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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	$788.00 (+23.13%)	$13,035 (+39.92%) Land $1,000 Building $12,035	$130,352 (+39.92%) Land $10,000 Building $120,352
2023	$640.00	$9,316	$93,164 Land $10,000 Building $83,164

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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	Low lower than 96% of the US · lower than 97.7% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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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