DeSoto County property record for 1316 Pontotoc St, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 1,582 sqft · built 2000 |
| Lot Size | 0.522 acres (22,743 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,012 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-07-3-07-01-0-00027-00 |
| Primary APN | 3-07-3-07-01-0-00027-00 |
|---|
| Building Area | 1,582 sqft Adjusted Area |
|---|---|
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 22,743 sqft (0.522 acres) |
| Lot Dimensions | 250 ft deep x 90 ft wide |
| Street Address | 1316 PONTOTOC ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-1213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12 |
| Legal Description | HERNANDO ESTATES S-D LOT 27 |
| Legal Range | 07 |
| Legal Township | 03 |
| Legal Section | 07 |
| Legal Subdivision | HERNANDO ESTATES S-D |
| Legal Lot Number | 27 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 71121 |
Source: DeSoto County records, as of December 22, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1316 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 11, 2017 | Deed of Trust, Mortgage · FHA Mortgage BANCORP SOUTH BANK |
| Aug 24, 2021 | Warranty Deed, Transfer · FHA Mortgage COMMUNITY MORTGAGE CORP |
| Nov 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY MORTGAGE CORP |
| Oct 11, 2017 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2021 |
| Deed Sale | Aug 24, 2021 |
| Prior Sale | Nov 23, 2020 |
| Deed Document Number | 0000096986 |
| Deed Book / Page | 969 / 86 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1316 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004432/482 |
|---|---|
| Date | Oct 11, 2017 |
| Book Page | 4432/482 |
| Instrument | T04432-00482 |
| Name | BANCORP SOUTH BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Aug 24, 2021 |
| Property Address | 1316 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Document Number | 0000969/86 |
| Book / Page | 969 / 86 |
| Map Reference | MB 3 PG 33&34 |
| Instrument Date | Aug 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Title Company | NOT AVAILABLE, GUARDIAN TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8255 MACON RD UNIT 2194, 8255, CORDOVA, TN 38088-0313 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1316 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Document Number | 0005326155 |
|---|---|
| Date | Aug 24, 2021 |
| Instrument | 5326/155 |
| Name | COMMUNITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Nov 23, 2020 |
| Property Address | 1316 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Document Number | 000939/483 |
| Book / Page | 939 / 483 |
| Map Reference | MB 3 PG 33&34 |
| Instrument Date | Nov 18, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1593 STAR LANDING RD, 1593, NESBIT, MS 38651-8366 |
| Name | Verified Name |
|---|---|
| Address | 1316 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Document Number | 0005095450 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 5095/450 |
| Name | COMMUNITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Oct 11, 2017 |
| Property Address | 1316 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Document Number | 000837/355 |
| Book / Page | 0837 / 355 |
| Map Reference | PB 3 PG 33-34 |
| Instrument Date | Sep 29, 2017 |
| Instrument | W00837-00355 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2154 BRIGHT RD, 2154, HERNANDO, MS 38632-9623 |
| Name | Verified Name |
|---|---|
| Address | 1316 PONTOTOC ST, HERNANDO, MS 38632-1213 |
Source: DeSoto County assessment roll, as of September 1, 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 | $1,012.00 (+19.76%) | $11,269 (+36.46%) Land $1,500 Building $9,769 | $112,686 (+36.46%) Land $15,000 Building $97,686 |
| 2023 | $845.00 | $8,258 | $82,581 Land $15,000 Building $67,581 |
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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