1275 Heritage Lake Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 1275 Heritage Lake Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,549 sqft · built 2005
Lot Size	0.392 acres (17,070 sqft)
Owner	Company Name on Record
Last Sale	$457,100 (Aug 2021)
Tax Bill	$4,096 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Mar 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-4-17-18-0-00112-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-4-17-18-0-00112-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,549 sqft Adjusted Area
1st Floor Area	1,697 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Shingle
Lot Area	17,070 sqft (0.392 acres)
Lot Dimensions	150 ft deep x 113 ft wide

Location & Zoning

Street Address	1275 HERITAGE LAKE DR
City	HERNANDO
State	MS
Zip	38632-6962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	HERITAGE OAKS PHASE II LOT 112
Legal Range	007
Legal Township	03S
Legal Section	17
Legal Subdivision	HERITAGE OAKS PH II
Legal Phase	2
Legal Lot Number	112
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	3
Census Block	3031
Census Tract	71001

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Mar 18, 2019	Deed of Trust, Mortgage · FHA Mortgage CASTLE & COOKE MORTGAGE LLC
Aug 18, 2021	Special Warranty Deed, Construction Loan · Construction Mortgage CHICAGO TITLE INSURANCE CO
Apr 16, 2021	Warranty Deed, Transfer TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO
Mar 5, 2019	Warranty Deed, Transfer · FHA Mortgage CASTLE & COOKE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Apr 16, 2021
Deed Document Number	2021
Deed Book / Page	968 / 351
Prior Transfer Date	May 23, 2011
Prior Transfer Doc	000658/382
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1275 HERITAGE LAKE DR, HERNANDO, MS 38632-6962
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004840/270
Date	Nov 21, 2019
Book Page	4840/270

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1275 HERITAGE LAKE DR, HERNANDO, MS 38632-6962
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004693/553
Date	Mar 18, 2019
Book Page	4693/553

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

August 2021: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 18, 2021
Property Address	1275 HERITAGE LAKE DR, HERNANDO, MS 38632-6962
Document Number	000968/351
Book / Page	968 / 351
Map Reference	MB 92 PG 3
Instrument Date	Jul 26, 2021
Transaction Type	Construction Loan
Record Updated	Nov 29, 2022
Title Company	SELENE TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

Mortgage

Document Number	0005321727
Date	Aug 18, 2021
Instrument	5321/727

Lender

Name	CHICAGO TITLE INSURANCE CO
Type	Insurance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Aug 9, 2028

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 16, 2021
Property Address	1275 HERITAGE LAKE DR, HERNANDO, MS 38632-6962
Document Number	000954/484
Book / Page	954 / 484
Map Reference	MB 92 PG 3
Instrument Date	Mar 9, 2021
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6178 BEAR CV S, 6178, OLIVE BRANCH, MS 38654-8076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 5, 2019
Property Address	1275 HERITAGE LAKE DR, HERNANDO, MS 38632-6962
Document Number	000881/681
Book / Page	0881 / 681
Map Reference	MB 92 PG 3
Instrument Date	Jan 19, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 BURNETT AVE, 1000, CONCORD, CA 94520-2000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1275 HERITAGE LAKE DR, HERNANDO, MS 38632-6962

Mortgage

Document Number	0004687001
Date	Mar 5, 2019
Instrument	4687/001

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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	$4,096.00 (+15.06%)	$35,162 (+37.02%) Land $4,500 Building $30,662	$234,413 (+37.02%) Land $30,000 Building $204,413
2023	$3,560.00	$25,662	$171,082 Land $30,000 Building $141,082

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	3 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 62% of the US · lower than 77% of Mississippi
Wildfire Likelihood	0.06% 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 serves 14,457 people · EPA ID MS0170009
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 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	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
C Spire Wireless Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

1275 Heritage Lake Dr, Hernando, MS 38632 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2021: Special Warranty Deed, Construction Loan

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Heritage Lake Dr

Nearby Streets

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