1093 Bright Oaks Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 1093 Bright Oaks Cv, Hernando, MS 38632

Property Summary

Property Type	Vacant Land
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$594,495 (Jan 2025)
Tax Bill	$334 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Mar 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-2-10-02-0-00009-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-2-10-02-0-00009-00`

Exterior

Lot Area	65,340 sqft (1.5 acres)

Location & Zoning

Street Address	1093 BRIGHT OAKS CV
City	HERNANDO
State	MS
Zip	38632-1020
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	A
Legal Description	BRIGHT OAKS S/D LOT 9
Legal Range	007
Legal Township	03S
Legal Section	10
Legal Subdivision	BRIGHT OAKS S/D
Legal Lot Number	9
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1025
Census Tract	71002

Owner

Source: DeSoto County records, as of March 27, 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 Record
Mailing Address	1093 BRIGHT OAKS CV, HERNANDO, MS 38632-1020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE CORP
Mar 17, 2021	Warranty Deed, Construction Loan · Construction Mortgage BANKPLUS
Mar 17, 2021	Warranty Deed, Construction Loan · Line of Credit FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2025 · Amount on Record
Deed Sale	Jan 31, 2025 · Amount on Record
Deed Book / Page	1025 / 2251
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1093 BRIGHT OAKS CV, HERNANDO, MS 38632-1020
Transaction Type	Mortgage
Record Updated	Feb 4, 2026
Title Company	PERFECT TITLE, PERFECT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1093 BRIGHT OAKS CV, HERNANDO, MS 38632-1020

Mortgage

Document Number	05663/5918
Date	Jan 20, 2026
Book Page	5663/5918

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

March 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 17, 2021
Property Address	HERNANDO, MS 38632
Document Number	000951/180
Book / Page	951 / 180
Map Reference	MB 135 PG 18
Instrument Date	Mar 10, 2021
Transaction Type	Construction Loan
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1162 ROSS RD, OLIVE BRANCH, MS 38654-8829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1162 ROSS RD, OLIVE BRANCH, MS 38654-8829

Mortgage

Document Number	0005188141
Date	Mar 17, 2021
Instrument	5188/141

Lender

Name	BANKPLUS
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 10, 2022

March 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 17, 2021
Property Address	HERNANDO, MS 38632
Document Number	000951/188
Book / Page	951 / 188
Map Reference	MB 135 PG 18
Instrument Date	Mar 10, 2021
Transaction Type	Construction Loan
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1162 ROSS RD, OLIVE BRANCH, MS 38654-8829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6699 HIGHWAY 178, OLIVE BRANCH, MS 38654-8511
Investor	Possibly a Property Investor

Mortgage

Document Number	0005187520
Date	Mar 17, 2021
Instrument	5187/520

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	8 Months
Due	Nov 12, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$334.00 (-17.12%)	$3,938 (-) Land $3,938	$26,250 (-) Land $26,250
2023	$403.00	$3,938	$26,250 Land $26,250

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	5 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 56% of the US · above 69% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

May also be available: AT&T.

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