1324 Cross Creek Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 1324 Cross Creek Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,364 sqft · built 1998
Lot Size	0.253 acres (11,023 sqft)
Owner	Individual Name on File
Tax Bill	$2,465 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-03-0-00007-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-03-0-00007-00`

Interior

Bedrooms	4 Beds
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,364 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,023 sqft (0.253 acres)
Lot Dimensions	158 ft deep x 34 ft wide
Patio Area	132 sqft

Location & Zoning

Street Address	1324 CROSS CREEK CV
City	HERNANDO
State	MS
Zip	38632-1163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERLAY
Legal Description	CROSS CREEK S-D SEC A LOT 7
Legal Range	08
Legal Township	03
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	7
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2002
Census Tract	71121

Owner

1324 Cross Creek Cv is owned and occupied by an individual who acquired it in March 2020.

Source: DeSoto County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1324 CROSS CREEK CV, HERNANDO, MS 38632-1163
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2020
Deed Sale	Mar 16, 2020
Prior Sale	Mar 8, 2012
Deed Document Number	0000915127
Deed Book / Page	915 / 127
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 16, 2020
Property Address	1324 CROSS CREEK CV, HERNANDO, MS 38632-1163
Document Number	000915/127
Book / Page	915 / 127
Map Reference	MB 63 PG 1&2
Instrument Date	Mar 13, 2020
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	2930 CYRENE DR, 2930, HERNANDO, MS 38632-7690

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 CROSS CREEK CV, HERNANDO, MS 38632-1163
Investor	Possibly a Property Investor

Mortgage

Document Number	0004905705
Date	Mar 16, 2020
Instrument	4905/705

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1324 Cross Creek Cv was $2,465.

Source: DeSoto County assessment roll, as of September 1, 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	$2,465.00	$21,164 Land $3,000 Building $18,164	$211,644 Land $30,000 Building $181,644
2023	$2,157.00	$15,553	$155,525 Land $30,000 Building $125,525

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1324 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 1324 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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