1307 Cross Creek Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 1307 Cross Creek Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,286 sqft · built 2001
Lot Size	0.257 acres (11,190 sqft)
Owner	2 Individual Names on File
Last Sale	$175,300 (May 2019)
Tax Bill	$2,092 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-03-0-00005-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-03-0-00005-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,286 sqft Adjusted Area
1st Floor Area	1,417 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	11,190 sqft (0.257 acres)
Lot Dimensions	138 ft deep x 58 ft wide
Patio Area	264 sqft

Location & Zoning

Street Address	1307 CROSS CREEK CV
City	HERNANDO
State	MS
Zip	38632-1165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERL
Legal Description	CROSS CREEK S-D SEC A LOT 5
Legal Range	008
Legal Township	03S
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	5
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2002
Census Tract	71121

Owner

1307 Cross Creek Cv is owned and occupied by two individuals who bought it in May 2019.

Source: DeSoto County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1307 CROSS CREEK CV, HERNANDO, MS 38632-1165
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Jun 2, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Oct 31, 2018	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI
May 17, 2019	Warranty Deed, Transfer · FHA Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2019 · Amount on File
Deed Sale	May 17, 2019 · Amount on File
Deed Book / Page	888 / 286
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Recording Date	May 19, 2026
Property Address	1307 CROSS CREEK CV, HERNANDO, MS 38632-1165
Document Number	5663054928
Book / Page	5663 / 54928
Instrument Date	Apr 28, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1307 CROSS CREEK CV, HERNANDO, MS 38632-1165

Mortgage

Document Number	5663054928,
Date	May 19, 2026
Book Page	5663/54928

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	May 1, 2066

Interest

Rate	6.46%
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1307 CROSS CREEK CV, HERNANDO, MS 38632-1165
Transaction Type	Mortgage
Record Updated	Aug 21, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1307 CROSS CREEK CV, HERNANDO, MS 38632-1165

Mortgage

Document Number	5660/46511
Date	Jun 2, 2023
Book Page	5660/46511

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Jun 1, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1307 CROSS CREEK CV, HERNANDO, MS 38632-1165
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004629/003
Date	Oct 31, 2018
Book Page	4629/003

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FOREST, MS 39074

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	13 Months
Due	Nov 5, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 17, 2019
Property Address	1307 CROSS CREEK CV, HERNANDO, MS 38632-1165
Document Number	000888/286
Book / Page	0888 / 286
Map Reference	MB 63 PG 1-2
Instrument Date	May 2, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	206 STEWART CIR, 206, JACKSON, MS 39208-5804

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1307 CROSS CREEK CV, HERNANDO, MS 38632-1165

Mortgage

Document Number	0004726696
Date	May 17, 2019
Instrument	4726/696

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1307 Cross Creek Cv was $2,092.

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	$2,092.00	$20,538 Land $3,000 Building $17,538	$205,380 Land $30,000 Building $175,380
2023	$1,805.00	$15,175	$151,745 Land $30,000 Building $121,745

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.

Flood

FEMA maps place 1307 Cross Creek Cv in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1307 Cross Creek Cv is low, with a 0.04% annual chance of 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	0.04% 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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