DeSoto County property record for 1309 Pontotoc St, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,822 sqft · built 2000 |
| Lot Size | 0.445 acres (19,364 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $186 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage May 2016 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-07-3-07-02-0-00063-00 |
| Primary APN | 3-07-3-07-02-0-00063-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,822 sqft Adjusted Area |
| 1st Floor Area | 1,492 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 19,364 sqft (0.445 acres) |
| Lot Dimensions | 190 ft deep x 105 ft wide |
| Street Address | 1309 PONTOTOC ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-1212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12 |
| Legal Description | HERNANDO ESTATES S-D SEC B LOT 63 |
| Legal Range | 007 |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | HERNANDO ESTATES S-D |
| Legal Lot Number | 63 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 71121 |
Source: DeSoto County records, as of April 1, 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 Record |
|---|---|
| Mailing Address | 1309 PONTOTOC ST, HERNANDO, MS 38632-1212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 24, 2020 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| May 6, 2016 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Mar 17, 2026 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 17, 2026 |
| Transfer Doc | 1026004401 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1309 PONTOTOC ST, HERNANDO, MS 38632-1212 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 004910/221 |
|---|---|
| Date | Mar 24, 2020 |
| Book Page | 4910/221 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 9, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1309 PONTOTOC ST, HERNANDO, MS 38632-1212 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 004152/611 |
|---|---|
| Date | May 6, 2016 |
| Book Page | 4152/611 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2031 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Mar 17, 2026 |
| Property Address | 1309 PONTOTOC ST, HERNANDO, MS 38632-1212 |
| Document Number | 01026/4401 |
| Book / Page | 1026 / 4401 |
| Map Reference | MB 6 PG 9 |
| Instrument Date | Mar 17, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1309 PONTOTOC ST, HERNANDO, MS 38632-1212 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1309 PONTOTOC ST, HERNANDO, MS 38632-1212 |
Source: DeSoto County assessment roll, as of December 15, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $186.00 (-80.67%) | $9,103 (-) Land $1,500 Building $7,603 | $91,025 (-) Land $15,000 Building $76,025 |
| 2023 | $962.00 | $9,103 | $91,025 Land $15,000 Building $76,025 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 90% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| C Spire Wireless Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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