1095 Deer Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 1095 Deer Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,462 sqft · built 2002
Lot Size	0.299 acres (13,038 sqft)
Owner	Individual Name on File
Tax Bill	$2,200 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Oct 2018 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-07-18-0-00122-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-07-18-0-00122-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,462 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	13,038 sqft (0.299 acres)
Lot Dimensions	156 ft deep x 90 ft wide
Patio Area	60 sqft

Location & Zoning

Street Address	1095 DEER CREEK DR
City	HERNANDO
State	MS
Zip	38632-1274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Description	DEERCREEK SEC E LOT 122
Legal Range	07
Legal Township	03
Legal Section	07
Legal Subdivision	DEERCREEK SEC E
Legal Lot Number	122
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	71121

Owner

1095 Deer Creek Dr is owned and occupied by an individual who acquired it in October 2018.

Source: DeSoto County records, as of December 22, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1095 DEER CREEK DR, HERNANDO, MS 38632-1274
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Oct 2, 2018	Deed of Trust, Mortgage · Construction Mortgage MISSISSIPPI HOME CORP
Oct 2, 2018	Warranty Deed, Transfer · FHA Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2018
Deed Sale	Oct 2, 2018
Prior Sale	Jul 1, 2010
Deed Document Number	0000869283
Deed Book / Page	0869 / 283
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1095 DEER CREEK DR, HERNANDO, MS 38632-1274
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004497/543
Date	Feb 26, 2018
Book Page	4497/543
Instrument	T04497-00543

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1095 DEER CREEK DR, HERNANDO, MS 38632-1274
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	REALTY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004614/644
Date	Oct 2, 2018
Book Page	4614/644

Lender

Name	MISSISSIPPI HOME CORP
Type	Non-Lending Institution
Address	JACKSON, MS 39202

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2028

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 2, 2018
Property Address	1095 DEER CREEK DR, HERNANDO, MS 38632-1274
Document Number	000869/283
Book / Page	0869 / 283
Map Reference	MB 78 PG 37
Instrument Date	Sep 28, 2018
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	ALTA TITLE AND ESCROW, REALTY TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6721 WASHINGTON AVE # AVE10E, 6721, OCEAN SPRINGS, MS 39564-2144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1095 DEER CREEK DR, HERNANDO, MS 38632-1274

Mortgage

Document Number	0004614632
Date	Oct 2, 2018
Instrument	4614/632

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1095 Deer Creek Dr was $2,200.

Source: DeSoto County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Municipality	Hernando City
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,200.00	$21,465 Land $3,000 Building $18,465	$214,651 Land $30,000 Building $184,651
2023	$1,883.00	$15,737	$157,374 Land $30,000 Building $127,374

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1095 Deer Creek Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 1095 Deer Creek Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 82% 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	CITY OF HERNANDO-JAYBIRD private · serves 6,750 people · EPA ID MS0170002
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
C Spire Wireless Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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