1285 S Lake Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 1285 S Lake Dr, Hernando, MS 38632 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,038 sqft · built 1999
Lot Size	0.289 acres (12,592 sqft)
Owner	2 Individual Names on File
Last Sale	$368,100 (Oct 2020)
Tax Bill	$3,146 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-06-0-00047-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-06-0-00047-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,038 sqft Adjusted Area
1st Floor Area	2,087 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Shingle
Lot Area	12,592 sqft (0.289 acres)
Lot Dimensions	114 ft deep x 110 ft wide
Pool Area	512 sqft
Patio Area	448 sqft

Location & Zoning

Street Address	1285 S LAKE DR
City	HERNANDO
State	MS
Zip	38632-1173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSS CREEK S-D SEC B LOT 47
Legal Range	008
Legal Township	03S
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	47
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2004
Census Tract	71121

Owner

Source: DeSoto County records · APN 3-08-1-12-06-0-00047-00

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	2 Individual Names on File
Mailing Address	1285 S LAKE DR, HERNANDO, MS 38632-1173
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 08, 2020 · Amount on Record
Deed Sale	Oct 08, 2020 · Amount on Record
Deed Book / Page	934 / 779
Prior Transfer Date	Jun 02, 2015
Prior Transfer Doc	000766/794
Record Updated	Jun 08, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 08, 2020
Property Address	1285 S LAKE DR, HERNANDO, MS 38632-1173
Document Number	000934/779
Book / Page	934 / 779
Map Reference	MB 63 PG 3
Instrument Date	Oct 08, 2020
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	188 FAWN LN, 188, HERNANDO, MS 38632-1249

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1285 S LAKE DR, HERNANDO, MS 38632-1173

Mortgage

Document Number	0005061626
Date	Oct 08, 2020
Instrument	5061/626

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified April 2026

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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,146.00 (+21.19%)	$29,586 (+41.7%) Land $3,000 Building $26,586	$295,855 (+41.69%) Land $30,000 Building $265,855
2023	$2,596.00	$20,880	$208,802 Land $30,000 Building $178,802

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280330711212, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 32% of the US · above 15% of Mississippi
Wildfire Likelihood	About 1 in 2,326 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 335 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.