11145 Horseshoe Bend, Hernando, MS 38632 Property Records

DeSoto County property record for 11145 Horseshoe Bend, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,118 sqft · built 1999
Lot Size	0.532 acres (23,185 sqft)
Owner	2 Individual Names on Record
Tax Bill	$658 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Feb 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-09-3-07-04-0-00285-00`

Property Details

APN / Parcel Number

Primary APN	`3-09-3-07-04-0-00285-00`

Interior

Bedrooms	2 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,118 sqft Adjusted Area
1st Floor Area	1,106 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	23,185 sqft (0.532 acres)
Lot Dimensions	190 ft deep x 90 ft wide

Location & Zoning

Street Address	11145 HORSESHOE BND
City	HERNANDO
State	MS
Zip	38632-4407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	CHICKASAW BLUFF LAKES S-D SEC LOT 285
Legal Range	009
Legal Township	03S
Legal Section	07
Legal Subdivision	CHICKASAW BLUFF LAKES S-D
Legal Lot Number	285
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	1
Census Block	1024
Census Tract	71200

Owner

Source: DeSoto County records, as of December 23, 2025

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	11145 HORSESHOE BND, HERNANDO, MS 38632-4407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO
Feb 17, 2023	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Jan 2, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2023
Deed Sale	Apr 19, 2023
Prior Sale	Jan 2, 2019 · Amount on Record
Deed Book / Page	1023 / 6193
Prior Transfer Date	Dec 27, 2018
Prior Transfer Doc	000876/526
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	11145 HORSESHOE BND, HERNANDO, MS 38632-4407
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11145 HORSESHOE BND, HERNANDO, MS 38632-4407

Mortgage

Document Number	5662/95187
Date	Sep 17, 2025
Book Page	5662/95187

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 15, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	11145 HORSESHOE BND, HERNANDO, MS 38632-4407
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11145 HORSESHOE BND, HERNANDO, MS 38632-4407

Mortgage

Document Number	05660/9490
Date	Feb 17, 2023
Book Page	5660/9490

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 8, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	11145 HORSESHOE BND, HERNANDO, MS 38632-4407
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00004929/2
Date	Apr 22, 2020
Book Page	4929/2

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2050

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Jan 2, 2019
Property Address	11145 HORSESHOE BND, HERNANDO, MS 38632-4407
Document Number	000876/526
Book / Page	0876 / 526
Map Reference	MB 6 PG 29-34
Instrument Date	Dec 27, 2018
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7891 WOODFORD LN, 7891, GERMANTOWN, TN 38138-3915

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11145 HORSESHOE BND, HERNANDO, MS 38632-4407

Mortgage

Document Number	0004659066
Date	Jan 2, 2019
Instrument	4659/066

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

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	$658.00 (+15.03%)	$7,888 (+39.02%) Land $1,000 Building $6,888	$78,875 (+39.01%) Land $10,000 Building $68,875
2023	$572.00	$5,674	$56,742 Land $10,000 Building $46,742

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	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

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

Wildfire Risk	Low lower than 64% of the US · lower than 81% of Mississippi
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 36 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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