128 Lake Front Dr N, Hernando, MS 38632 Property Records

DeSoto County property record for 128 Lake Front Dr N, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,485 sqft · built 2013
Lot Size	0.275 acres (11,996 sqft)
Owner	Individual Name on Record
Tax Bill	$2,413 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Mar 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-02-1-00001-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-02-1-00001-00`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	2,485 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	11,996 sqft (0.275 acres)
Lot Dimensions	130 ft deep x 69 ft wide

Location & Zoning

Street Address	128 LAKE FRONT DR N
City	HERNANDO
State	MS
Zip	38632-1465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Description	HERNANDO POINTE LOT 1
Legal Range	08
Legal Township	03
Legal Section	12
Legal Quarter	NW
Legal Subdivision	HERNANDO POINTE
Legal Lot Number	1
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	71121

Owner

Source: DeSoto County records, as of December 22, 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 Record
Mailing Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage FEDEX EMPLOYEES CREDIT ASSN FCU
Mar 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FEDEX EMPLOYEES CREDIT ASSN FCU
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FEDEX EMPLOYEES CREDIT ASSN FCU
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 17, 2018	Warranty Deed, Transfer SLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC
Feb 1, 2017	Warranty Deed, Transfer REALITY TITLE, REALTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2018
Deed Sale	Oct 17, 2018
Prior Sale	Feb 1, 2017
Deed Document Number	0000870559
Deed Book / Page	0870 / 559
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SELECT TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004622/489
Date	Oct 17, 2018
Book Page	4622/489

Lender

Name	FEDEX EMPLOYEES CREDIT ASSN FCU
Type	Credit Union
Address	MEMPHIS, TN 38132

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004697/759
Date	Mar 25, 2019
Book Page	4697/759

Lender

Name	FEDEX EMPLOYEES CREDIT ASSN FCU
Type	Credit Union
Address	MEMPHIS, TN 38132

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 6, 2029

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SURE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465

Mortgage

Document Number	005062/317
Date	Oct 9, 2020
Book Page	5062/317

Lender

Name	FEDEX EMPLOYEES CREDIT ASSN FCU
Type	Credit Union
Address	MEMPHIS, TN 38132

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 23, 2035

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465

Mortgage

Document Number	005393/373
Date	Nov 9, 2021
Book Page	5393/373

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 17, 2018
Property Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465
Document Number	000870/559
Book / Page	0870 / 559
Map Reference	MB 90 PG 33
Instrument Date	Oct 12, 2018
Transaction Type	Transfer
Record Updated	Dec 12, 2023
Title Company	SLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1314 RANCH RD, HERNANDO, MS 38632-2468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Feb 1, 2017
Property Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465
Document Number	000814/143
Book / Page	0814 / 143
Instrument Date	Jan 24, 2017
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	REALITY TITLE, REALTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1910 CHARLOTTE HWY, 1910, YORK, SC 29745-8949

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	128 LAKE FRONT DR N, HERNANDO, MS 38632-1465

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	$2,413.00 (+17.25%)	$23,294 (+37.02%) Land $3,000 Building $20,294	$232,943 (+37.02%) Land $30,000 Building $202,943
2023	$2,058.00	$17,001	$170,005 Land $30,000 Building $140,005

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	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

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	0.03% 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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