1286 Cross Creek Dr E, Hernando, MS 38632 Property Records

DeSoto County property record for 1286 Cross Creek Dr E, Hernando, MS 38632 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,399 sqft · built 2001
Lot Size	0.202 acres (8,814 sqft)
Owner	Individual Name on File
Tax Bill	$2,321 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-09-0-00073-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-09-0-00073-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,399 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	8,814 sqft (0.202 acres)
Lot Dimensions	139 ft deep x 71 ft wide

Location & Zoning

Street Address	1286 CROSS CREEK DR E
City	HERNANDO
State	MS
Zip	38632-1148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSS CREEK S-D SEC C LOT 73
Legal Range	08
Legal Township	03
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	73
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	71121

Owner

Source: DeSoto County records · APN 3-08-1-12-09-0-00073-00

Assessment roll updated September 1, 2025 · Last verified January 2026

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
Co-owner	Verified Secondary Owner
Mailing Address	1286 CROSS CREEK DR E, HERNANDO, MS 38632-1148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 04, 2017	Deed of Trust, Mortgage · FHA Mortgage BANCORPSOUTH BANK
Apr 18, 2017	Deed of Trust, Mortgage · FHA Mortgage BANCORPSOUTH BANK
Jul 28, 2021	Warranty Deed, Transfer · FHA Mortgage REGIONS BANK
Apr 04, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 28, 2021
Deed Sale	Jul 28, 2021
Prior Sale	Apr 04, 2017
Deed Document Number	0000965770
Deed Book / Page	965 / 770
Record Updated	Jun 08, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1286 CROSS CREEK DR E, HERNANDO, MS 38632-1148
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004329/585
Date	Apr 04, 2017
Book Page	4329/585

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2047

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1286 CROSS CREEK DR E, HERNANDO, MS 38632-1148
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004336/691
Date	Apr 18, 2017
Book Page	4336/691

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2047

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 28, 2021
Property Address	1286 CROSS CREEK DR E, HERNANDO, MS 38632-1148
Document Number	000965/770
Book / Page	965 / 770
Map Reference	MB 64 PG 6
Instrument Date	Jul 16, 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	3316 CHATEAU CIR N, 3316, SOUTHAVEN, MS 38672-8117

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1286 CROSS CREEK DR E, HERNANDO, MS 38632-1148

Mortgage

Document Number	0005303244
Date	Jul 28, 2021
Instrument	5303/244

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 04, 2017
Property Address	1286 CROSS CREEK DR E, HERNANDO, MS 38632-1148
Document Number	000819/528
Book / Page	0819 / 528
Map Reference	PL 64 PG 6
Instrument Date	Mar 31, 2017
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1286 CROSS CREEK DR E, 1286, HERNANDO, MS 38632-1148

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1286 CREEKSIDE BLVD # ROSS, ROSS, HERNANDO, MS 38632

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,321.00 (+16.93%)	$22,500 (+36.56%) Land $3,000 Building $19,500	$225,001 (+36.56%) Land $30,000 Building $195,001
2023	$1,985.00	$16,476	$164,763 Land $30,000 Building $134,763

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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Mobile Coverage

5G and 4G LTE

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