DeSoto County property record for 1231 Cross Creek Dr E, Hernando, MS 38632 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,014 sqft · built 2009 |
| Lot Size | 0.223 acres (9,725 sqft) |
| Owner | Individual Name on File |
| Last Sale | $297,100 (Apr 2026) |
| Tax Bill | $3,308 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Feb 2017 Construction Loan + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-1-12-09-0-00085-00 |
| Primary APN | 3-08-1-12-09-0-00085-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,014 sqft Adjusted Area |
| 1st Floor Area | 1,269 sqft |
| Interior Walls | Plywood |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 9,725 sqft (0.223 acres) |
| Lot Dimensions | 168 ft deep x 43 ft wide |
| Patio Area | 64 sqft |
| Street Address | 1231 CROSS CREEK DR E |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-1152 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CROSS CREEK S-D SEC C LOT 85 |
| Legal Range | 008 |
| Legal Township | 03S |
| Legal Section | 12 |
| Legal Subdivision | CROSS CREEK S-D |
| Legal Lot Number | 85 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 71121 |
Source: DeSoto County records · APN 3-08-1-12-09-0-00085-00
Assessment roll updated December 15, 2025 · Last verified April 2026
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 | 3999 LACEWOOD DR, MEMPHIS, TN 38115-6309 |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Aug 29, 2017 | Deed of Trust, Mortgage FIRST SECURITY BANK |
| Feb 21, 2017 | Deed of Trust, Mortgage · Construction Mortgage GUARANTY BANK & TRUST |
| Dec 23, 2009 | Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO |
| Jan 30, 2015 | Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO |
| Mar 22, 2012 | Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO |
| Apr 02, 2026 | Warranty Deed, Transfer · FHA Mortgage SUN WEST MORTGAGE COMPANY INC |
| Jul 26, 2022 | Warranty Deed, Transfer |
| Mar 31, 2022 | Warranty Deed, Transfer |
| Dec 08, 2008 | Warranty Deed, Transfer GUARANTY BANK & TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 02, 2026 · Amount on Record |
| Deed Sale | Apr 02, 2026 · Amount on Record |
| Prior Sale | Jul 26, 2022 |
| Deed Document Number | 2026 |
| Deed Book / Page | 1026 / 5472 |
| Prior Transfer Date | Dec 04, 2008 |
| Prior Transfer Doc | 000598/797 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1231 CROSS CREEK DR E, HERNANDO, MS 38632-1152 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 20170829010248590 |
|---|---|
| Date | Aug 29, 2017 |
| Instrument | 20170829010248590 |
| Name | FIRST SECURITY BANK |
|---|---|
| Type | Bank |
| Address | BATESVILLE, MS 38606 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Aug 15, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1231 CROSS CREEK DR E, HERNANDO, MS 38632-1152 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 004306/516 |
|---|---|
| Date | Feb 21, 2017 |
| Book Page | 4306/516 |
| Name | GUARANTY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Aug 15, 2017 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1231 CROSS CREEK DR E, HERNANDO, MS 38632-1152 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Title Company | GOOD TITLE ESCROW AND CLOSING LLC, GOOD TITLE ESCROW CLOSING LL |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 003117/469 |
|---|---|
| Date | Dec 23, 2009 |
| Book Page | 3117/469 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 10, 2014 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1231 CROSS CREEK DR E, HERNANDO, MS 38632-1152 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003932/351 |
|---|---|
| Date | Jan 30, 2015 |
| Book Page | 3932/351 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Feb 10, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1231 CROSS CREEK DR E, HERNANDO, MS 38632-1152 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 003416/359 |
|---|---|
| Date | Mar 22, 2012 |
| Book Page | 3416/359 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 19, 2013 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Apr 02, 2026 |
| Property Address | 1231 CROSS CREEK DR E, HERNANDO, MS 38632-1152 |
| Document Number | 01026/5472 |
| Book / Page | 1026 / 5472 |
| Instrument Date | Mar 24, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2026 |
| Title Company | SUN WEST MORTGAGE COMPANY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3999 LACEWOOD DR, MEMPHIS, TN 38115-6309 |
| Investor | Possibly a Property Investor |
| Document Number | 5663034720, |
|---|---|
| Date | Apr 02, 2026 |
| Book Page | 5663/34720 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Number | 5663034734, |
|---|---|
| Date | Apr 02, 2026 |
| Book Page | 5663/34734 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 10 Months |
| Due | Apr 01, 2036 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Jul 26, 2022 |
| Property Address | 1231 CROSS CREEK DR E, HERNANDO, MS 38632-1152 |
| Document Number | 0001006/46 |
| Book / Page | 1006 / 46 |
| Map Reference | MB 64 PG 6 |
| Instrument Date | Jul 20, 2022 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 822 ROSEMONT DRIVE, OLIVE BRANCH, MS 38654 |
| Name | Verified Name |
|---|---|
| Address | 155 FOX MOUNTAIN LN, BIG SANDY, TN 38221-3173 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Mar 31, 2022 |
| Property Address | 1231 CROSS CREEK DR E, HERNANDO, MS 38632-1152 |
| Document Number | 000992/526 |
| Book / Page | 992 / 526 |
| Map Reference | MB 64 PG 6 |
| Instrument Date | Mar 28, 2022 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 144, NESBIT, MS 38651-0144 |
| Name | Verified Name |
|---|---|
| Address | 8122 ROSEMONT DR, OLIVE BRANCH, MS 38654-1667 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Dec 08, 2008 |
| Property Address | 1231 CROSS CREEK DR E, HERNANDO, MS 38632-1152 |
| Document Number | 000598/797 |
| Book / Page | 598 / 797 |
| Map Reference | MB64 PG6 |
| Instrument Date | Dec 04, 2008 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 361, NESBIT, MS 38651-0361 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 144, NESBIT, MS 38651-0144 |
| Investor | Possibly a Property Investor |
| Document Number | 0002972614 |
|---|---|
| Date | Dec 08, 2008 |
| Instrument | 2972/614 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Dec 04, 2009 |
| Rate Type | Adjustable Rate |
|---|
Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,308.00 (+13.52%) | $28,396 (+35.18%) Land $4,500 Building $23,896 | $189,304 (+35.18%) Land $30,000 Building $159,304 |
| 2023 | $2,914.00 | $21,006 | $140,037 Land $30,000 Building $110,037 |
Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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