DeSoto County property record for 1330 Pontotoc St, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 1,488 sqft · built 2000 |
| Lot Size | 0.461 acres (20,074 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,950 (Aug 2024) |
| Tax Bill | $1,003 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-07-3-07-01-0-00028-00 |
| Primary APN | 3-07-3-07-01-0-00028-00 |
|---|
| Building Area | 1,488 sqft Adjusted Area |
|---|---|
| 1st Floor Area | 949 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 20,074 sqft (0.461 acres) |
| Lot Dimensions | 225 ft deep x 80 ft wide |
| Street Address | 1330 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 28 |
| Legal Range | 007 |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | HERNANDO ESTATES S-D |
| Legal Lot Number | 28 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 71121 |
Source: DeSoto County assessment roll, as of December 15, 2025
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 File |
|---|---|
| Mailing Address | 1330 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Apr 1, 2024 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK |
| Feb 6, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 29, 2024 · Amount on Record |
| Deed Sale | Aug 29, 2024 · Amount on Record |
| Prior Sale | Feb 6, 2020 · Amount on Record |
| Deed Book / Page | 1024 / 15744 |
| Prior Transfer Date | Nov 1, 2019 |
| Prior Transfer Doc | 000911/283 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Apr 23, 2026 |
| Property Address | 1330 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Document Number | 5663043225 |
| Book / Page | 5663 / 43225 |
| Instrument Date | Mar 26, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 1330 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Document Number | 5663043225, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 5663/43225 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1330 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1330 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Document Number | 5661/27864 |
|---|---|
| Date | Apr 1, 2024 |
| Book Page | 5661/27864 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Mar 12, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Feb 6, 2020 |
| Property Address | 1330 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Document Number | 000911/283 |
| Book / Page | 0911 / 283 |
| Map Reference | MB 3 PG 33&34 |
| Instrument Date | Nov 1, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Title Company | VYLLA TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1330 PONTOTOC ST, HERNANDO, MS 38632-1213 |
| Document Number | 0004881015 |
|---|---|
| Date | Feb 6, 2020 |
| Instrument | 4881/015 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Dec 1, 2034 |
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 | $1,003.00 (+944.79%) | $11,187 (+36.54%) Land $1,500 Building $9,687 | $111,868 (+36.55%) Land $15,000 Building $96,868 |
| 2023 | $96.00 | $8,193 | $81,926 Land $15,000 Building $66,926 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
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 |
| Telapex Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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