1138 Bright Oaks Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 1138 Bright Oaks Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 6,112 sqft · built 2022
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Tax Bill	$6,120 (2025)
Deeds & Mortgages	May 2022 Line of Credit May 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-2-10-02-0-00002-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-2-10-02-0-00002-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	6,112 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)
Pool Area	512 sqft

Location & Zoning

Street Address	1138 BRIGHT OAKS CV
City	HERNANDO
State	MS
Zip	38632-1021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	BRIGHT OAKS S/D LOT 2
Legal Subdivision	BRIGHT OAKS S/D
Legal Lot Number	2
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1025
Census Tract	71002

Owner

Source: DeSoto County records, as of December 22, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1138 BRIGHT OAKS CV, HERNANDO, MS 38632-1021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
May 24, 2022	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Aug 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage EAGLE MORTGAGE & FUNDING CORP
Aug 6, 2021	Warranty Deed, Subdivision Related Transfer
May 14, 2021	Warranty Deed, Subdivision Related Transfer · Line of Credit FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2021
Deed Sale	Aug 6, 2021
Prior Sale	May 14, 2021
Deed Document Number	0000096781
Deed Book / Page	967 / 81
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1138 BRIGHT OAKS CV, HERNANDO, MS 38632-1021
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1795 BANBURY LN, HERNANDO, MS 38632-8071

Mortgage

Document Number	005536/286
Date	May 24, 2022
Book Page	5536/286

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	4 Months
Due	Sep 21, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1138 BRIGHT OAKS CV, HERNANDO, MS 38632-1021
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1795 BANBURY LN, HERNANDO, MS 38632-8071

Mortgage

Document Number	005536/137
Date	May 24, 2022
Book Page	5536/137

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	5 Months
Due	Oct 19, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1138 BRIGHT OAKS CV, HERNANDO, MS 38632-1021
Transaction Type	Mortgage
Record Updated	Dec 12, 2023
Title Company	REGENCY TITLE AND ESCROW LLC, REGENCY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 BRIGHT OAKS CV, HERNANDO, MS 38632-1021
Investor	Possibly a Property Investor

Mortgage

Document Number	005580/129
Date	Aug 3, 2022
Book Page	5580/129

Lender

Name	EAGLE MORTGAGE & FUNDING CORP
Type	Mortgage Company
Address	MEMPHIS, TN 38119

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

August 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 6, 2021
Property Address	1138 BRIGHT OAKS CV, HERNANDO, MS 38632-1021
Document Number	0000967/81
Book / Page	967 / 81
Map Reference	MB 135 PG 18&19
Instrument Date	Jul 30, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1884 DAFFODIL DR, SOUTHAVEN, MS 38672-9138

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1892 BRIGHT RD, HERNANDO, MS 38632

May 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 14, 2021
Property Address	1138 BRIGHT OAKS CV, HERNANDO, MS 38632-1021
Document Number	000957/789
Book / Page	957 / 789
Map Reference	MB 135 PG 18-19
Instrument Date	May 7, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2023
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1884 DAFFODIL DR, SOUTHAVEN, MS 38672-9138

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1795 BANBURY LN, HERNANDO, MS 38632-8071

Mortgage

Document Number	0005242425
Date	May 14, 2021
Instrument	5242/425

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$6,120.00 (+15.87%)	$74,074 (+40.46%) Land $3,500 Building $70,574	$740,743 (+40.46%) Land $35,000 Building $705,743
2023	$5,282.00	$52,738	$527,380 Land $35,000 Building $492,380

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	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 59% of the US · above 74% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: C Spire Wireless.

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