DeSoto County property record for 1090 Gaines Rd, Hernando, MS 38632 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3,429 sqft · built 2023 |
| Lot Size | 4.59 acres (200,376 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,659 (2025) |
| Deeds & Mortgages | Apr 2022 Construction Loan May 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4-08-1-11-00-0-00005-05 |
| Primary APN | 4-08-1-11-00-0-00005-05 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 3,429 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 200,376 sqft (4.59 acres) |
| Street Address | 1090 GAINES RD |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-9076 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11-4-8 TRACT 3 PT SE1/4 NE1/4 |
| Legal Range | 08 |
| Legal Township | 04 |
| Legal Section | 11 |
| Legal Tract | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 71123 |
Source: DeSoto County records · APN 4-08-1-11-00-0-00005-05
Assessment roll updated September 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1090 GAINES RD, HERNANDO, MS 38632-9076 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 05, 2022 | Deed of Trust, Mortgage · Construction Mortgage GUARANTY BANK & TRUST CO |
| May 16, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO |
| Jul 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0001018346 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1090 GAINES RD, HERNANDO, MS 38632-9076 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 6185 CARROLL COVE, HORN LAKE, MS 38637-2567 |
| Document Number | 005501/772 |
|---|---|
| Date | Apr 05, 2022 |
| Book Page | 5501/772 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 15, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1090 GAINES RD, HERNANDO, MS 38632-9076 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2023 |
| Title Company | UNITY TITLE GROUP LLC, QUALITY TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1210 GAINES RD, HERNANDO, MS 38632-9080 |
| Document Number | 5660/40316 |
|---|---|
| Date | May 16, 2023 |
| Book Page | 5660/40316 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | 38038 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1090 GAINES RD, HERNANDO, MS 38632-9076 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2023 |
| Title Company | UNITY TITLE GROUP LLC, QUALITY TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1210 GAINES RD, HERNANDO, MS 38632-9080 |
| Document Number | 5660/67910 |
|---|---|
| Date | Jul 28, 2023 |
| Book Page | 5660/67910 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 01, 2053 |
Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Unified School District | DeSoto County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,659.00 (+609.07%) | $35,409 (+862.2%) Land $2,500 Building $32,909 | $354,085 (+862.19%) Land $25,000 Building $329,085 |
| 2023 | $375.00 | $3,680 | $36,800 Land $36,800 |
Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 59% of the US · above 74% of Mississippi |
|---|---|
| Wildfire Likelihood | About 1 in 595 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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