1184 Pontotoc St, Hernando, MS 38632 Property Records

DeSoto County property record for 1184 Pontotoc St, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,403 sqft · built 2001
Lot Size	0.462 acres (20,139 sqft)
Owner	Individual Name on File
Tax Bill	$2,137 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-07-14-0-00064-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-07-14-0-00064-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,403 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	20,139 sqft (0.462 acres)
Lot Dimensions	184 ft deep x 115 ft wide
Patio Area	420 sqft

Location & Zoning

Street Address	1184 PONTOTOC ST
City	HERNANDO
State	MS
Zip	38632-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Description	DEERCREEK S-D SEC C LOT 64
Legal Range	07
Legal Township	03
Legal Section	07
Legal Subdivision	DEERCREEK S-D
Legal Lot Number	64
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1017
Census Tract	71121

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	1184 PONTOTOC ST, HERNANDO, MS 38632-1244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 6, 2017	Warranty Deed, Transfer SADDLE CREEK TITLE LLC, SADDLE CREEK TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 6, 2017
Deed Sale	Jul 6, 2017
Deed Document Number	20170706010195540
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1184 PONTOTOC ST, HERNANDO, MS 38632-1244
Transaction Type	Mortgage
Record Updated	Sep 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1184 PONTOTOC ST, HERNANDO, MS 38632-1244

Mortgage

Document Number	5660/78039
Date	Aug 24, 2023
Book Page	5660/78039

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	287 Months
Due	Jul 1, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 6, 2017
Property Address	1184 PONTOTOC ST, HERNANDO, MS 38632-1244
Document Number	20170706010195540
Map Reference	PL 72 PG 2
Instrument Date	Jun 30, 2017
Instrument	20170706010195540
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	SADDLE CREEK TITLE LLC, SADDLE CREEK TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4619 THYATIRA TYRO RD, 4619, COMO, MS 38619-2401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1184 PONTOTOC ST, HERNANDO, MS 38632-1244

Tax Assessment & Valuation

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	$2,137.00 (+16.02%)	$20,925 (+35.52%) Land $3,000 Building $17,925	$209,250 (+35.52%) Land $30,000 Building $179,250
2023	$1,842.00	$15,441	$154,409 Land $30,000 Building $124,409

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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 65% of the US · lower than 82% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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
Telapex Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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