10999 Elm Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 10999 Elm Dr, Hernando, MS 38632

Property Summary

Property Type	Vacant Land
Lot Size	15.1 acres (659,498 sqft)
Owner	Individual Name on File
Tax Bill	$46 (2025)
Deeds & Mortgages	Feb 2025 Construction Loan Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`3-09-4-17-00-0-00005-05`

Property Details

APN / Parcel Number

Primary APN	`3-09-4-17-00-0-00005-05`

Exterior

Lot Area	659,498 sqft (15.1 acres)

Location & Zoning

Street Address	10999 ELM DR
City	HERNANDO
State	MS
Zip	38632
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	A
Legal Description	PT W1/2 W1/2
Legal Range	09
Legal Township	03
Legal Section	17
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2009
Census Tract	71200

Owner

Source: DeSoto County assessment roll, as of September 1, 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 File
Mailing Address	10969 W COMMERCE ST, HERNANDO, MS 38632-8453
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2025	Deed of Trust, Mortgage · Construction Mortgage GUARANTY BANK & TRUST CO
Apr 6, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 6, 2017
Deed Sale	Apr 6, 2017
Deed Document Number	0000819746
Deed Book / Page	0819 / 746
Record Updated	Jun 8, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	10999 ELM DR, HERNANDO, MS 38632
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10969 W COMMERCE ST, HERNANDO, MS 38632-8453

Mortgage

Document Number	5662/10317
Date	Feb 10, 2025
Book Page	5662/10317

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 5, 2030

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 6, 2017
Property Address	10999 ELM DR, HERNANDO, MS 38632
Document Number	000819/746
Book / Page	0819 / 746
Instrument Date	Apr 6, 2017
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 224, NESBIT, MS 38651-0224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10969 HIGHWAY 304, HERNANDO, MS 38632-8453

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	$46.00 (-17.86%)	$540 (-0.74%) Land $540	$3,596 (-0.69%) Land $3,596
2023	$56.00	$544	$3,621 Land $3,621

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 51% of the US · above 57% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

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