1148 Deer Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 1148 Deer Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,186 sqft · built 2002
Lot Size	0.322 acres (14,005 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,970 (2025)
Deeds & Mortgages	May 2021 Line of Credit May 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-07-18-0-00134-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-07-18-0-00134-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,186 sqft Adjusted Area
1st Floor Area	1,694 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Shingle
Lot Area	14,005 sqft (0.322 acres)
Lot Dimensions	153 ft deep x 91 ft wide

Location & Zoning

Street Address	1148 DEER CREEK DR
City	HERNANDO
State	MS
Zip	38632-1257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Description	DEERCREEK SEC E LOT 134
Legal Range	007
Legal Township	03S
Legal Section	07
Legal Subdivision	DEERCREEK SEC E
Legal Lot Number	134
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	71121

Owner

1148 Deer Creek Dr is owned and occupied by two individuals who acquired it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1148 DEER CREEK DR, HERNANDO, MS 38632-1257
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI
May 14, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 30, 2020
Transfer Doc	000919/310
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1148 DEER CREEK DR, HERNANDO, MS 38632-1257
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 DEER CREEK DR, HERNANDO, MS 38632-1257

Mortgage

Document Number	0005238/65
Date	May 10, 2021
Book Page	5238/65

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FOREST, MS 39074

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Apr 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	May 14, 2020
Property Address	1148 DEER CREEK DR, HERNANDO, MS 38632-1257
Document Number	000919/310
Book / Page	919 / 310
Map Reference	MB 78 PG 37
Instrument Date	Apr 30, 2020
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1148 DEER CREEK DR, HERNANDO, MS 38632-1257

Tax Assessment & Valuation

The 2025 property tax bill for 1148 Deer Creek Dr was $1,970.

Source: DeSoto County assessment roll, as of December 15, 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	$1,970.00	$19,488 Land $3,000 Building $16,488	$194,876 Land $30,000 Building $164,876
2023	$1,692.00	$14,364	$143,644 Land $30,000 Building $113,644

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

Flood

FEMA maps place 1148 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 1148 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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