1285 Ridge Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 1285 Ridge Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,606 sqft · built 2002
Lot Size	0.219 acres (9,572 sqft)
Owner	Individual Name on File
Tax Bill	$2,334 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-06-0-00060-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-06-0-00060-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,606 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,572 sqft (0.219 acres)
Lot Dimensions	170 ft deep x 32 ft wide
Patio Area	150 sqft

Location & Zoning

Street Address	1285 RIDGE CV
City	HERNANDO
State	MS
Zip	38632-1172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERLAY
Legal Description	CROSS CREEK S-D SEC B LOT 60
Legal Range	08
Legal Township	03
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	60
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
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	1285 RIDGE CV, HERNANDO, MS 38632-1172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage IBERIABANK
Jun 20, 2017	Warranty Deed, Transfer · FHA Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 20, 2017
Deed Sale	Jun 20, 2017
Deed Document Number	20170620010182040
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1285 RIDGE CV, HERNANDO, MS 38632-1172
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004817/599
Date	Oct 17, 2019
Book Page	4817/599

Lender

Name	IBERIABANK
Type	Bank
Address	LAFAYETTE, LA 70501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 20, 2017
Property Address	1285 RIDGE CV, HERNANDO, MS 38632-1172
Document Number	20170620010182040
Map Reference	PL 63 PG 3
Instrument Date	Jun 14, 2017
Instrument	20170620010182040
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1285 RIDGE CV, 1285, HERNANDO, MS 38632-1172

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1285 RIDGE CV, HERNANDO, MS 38632-1172

Mortgage

Document Number	20170620010182050
Date	Jun 20, 2017
Instrument	20170620010182050

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$2,334.00 (+17.11%)	$22,611 (+36.75%) Land $3,000 Building $19,611	$226,113 (+36.76%) Land $30,000 Building $196,113
2023	$1,993.00	$16,534	$165,341 Land $30,000 Building $135,341

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 93% of the US · lower than 95% 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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