1272 Cross Creek Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 1272 Cross Creek Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,618 sqft · built 1999
Lot Size	0.302 acres (13,179 sqft)
Owner	Individual Name on File
Tax Bill	$2,852 (2025)
Deeds & Mortgages	Mar 2018 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-03-0-00011-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-03-0-00011-00`

Interior

Bedrooms	3 Beds
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,618 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	13,179 sqft (0.302 acres)
Lot Dimensions	130 ft deep x 112 ft wide
Pool Area	512 sqft
Patio Area	224 sqft

Location & Zoning

Street Address	1272 CROSS CREEK CV
City	HERNANDO
State	MS
Zip	38632-1162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERLAY
Legal Description	CROSS CREEK S-D SEC A LOT 11
Legal Range	08
Legal Township	03
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	11
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2002
Census Tract	71121

Owner

1272 Cross Creek Cv is owned and occupied by an individual who acquired it in March 2018.

Source: DeSoto County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1272 CROSS CREEK CV, HERNANDO, MS 38632-1162
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
Mar 2, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY MORTGAGE
May 13, 2021	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Mar 2, 2018	Deed, Transfer EDCO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2018
Deed Sale	Mar 2, 2018
Prior Sale	May 4, 2009
Deed Document Number	W00849-00653
Deed Book / Page	849 / 653
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1272 CROSS CREEK CV, HERNANDO, MS 38632-1162
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004500/508
Date	Mar 2, 2018
Book Page	4500/508
Instrument	T04500-00508

Lender

Name	COMMUNITY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1272 CROSS CREEK CV, HERNANDO, MS 38632-1162
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1272 CROSS CREEK CV, HERNANDO, MS 38632-1162

Mortgage

Document Number	005241/513
Date	May 13, 2021
Book Page	5241/513

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1272 CROSS CREEK CV, HERNANDO, MS 38632-1162
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1272 CROSS CREEK CV, HERNANDO, MS 38632-1162

Mortgage

Document Number	005421/722
Date	Dec 15, 2021
Book Page	5421/722

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 25, 2041

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1272 CROSS CREEK CV, HERNANDO, MS 38632-1162
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1272 CROSS CREEK CV, HERNANDO, MS 38632-1162

Mortgage

Document Number	005421/708
Date	Dec 15, 2021
Book Page	5421/708

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 2, 2018
Property Address	1272 CROSS CREEK CV, HERNANDO, MS 38632-1162
Document Number	000849/653
Book / Page	849 / 653
Map Reference	PB 57 PG 25
Instrument Date	Feb 28, 2018
Instrument	W00849-00653
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	EDCO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 OAK RIDGE LAKES DR, 105, COLDWATER, MS 38618-6023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1272 CROSS CREEK CV, HERNANDO, MS 38632-1162

Tax Assessment & Valuation

The 2025 property tax bill for 1272 Cross Creek Cv was $2,852.

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	$2,852.00	$27,063 Land $3,000 Building $24,063	$270,632 Land $30,000 Building $240,632
2023	$2,355.00	$19,142	$191,415 Land $30,000 Building $161,415

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

Flood

FEMA maps place 1272 Cross Creek Cv 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 1272 Cross Creek Cv is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 84% of Mississippi
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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