1481 W Oak Grove Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 1481 W Oak Grove Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,112 sqft · built 1995
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$2,065 (2025)
Deeds & Mortgages	May 2018 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-23-01-0-00012-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-23-01-0-00012-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,112 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	130,680 sqft (3 acres)

Location & Zoning

Street Address	1481 W OAK GROVE RD
City	HERNANDO
State	MS
Zip	38632-9740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	OAK MANOR SD SEC A LOT 12
Legal Range	08
Legal Township	03
Legal Section	23
Legal Subdivision	OAK MANOR SD
Legal Lot Number	12
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2014
Census Tract	71123

Owner

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	1481 W OAK GROVE RD, HERNANDO, MS 38632-9740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2018	Deed of Trust, Mortgage · FHA Mortgage EAGLE BANK & TRUST CO
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 4, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 17, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2018
Deed Sale	May 17, 2018
Deed Document Number	W00856-00253
Deed Book / Page	0856 / 253
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1481 W OAK GROVE RD, HERNANDO, MS 38632-9740
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004542/529
Date	May 17, 2018
Book Page	4542/529
Instrument	T04542-00529

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1481 W OAK GROVE RD, HERNANDO, MS 38632-9740
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004994/613
Date	Jul 20, 2020
Book Page	4994/613

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jul 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1481 W OAK GROVE RD, HERNANDO, MS 38632-9740
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	INSPIRE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1481 W OAK GROVE RD, HERNANDO, MS 38632-9740

Mortgage

Document Number	005123/793
Date	Jan 4, 2021
Book Page	5123/793

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Jul 1, 2048

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DESOTO MS
Recording Date	May 17, 2018
Property Address	1481 W OAK GROVE RD, HERNANDO, MS 38632-9740
Document Number	000856/253
Book / Page	0856 / 253
Map Reference	PB 26 PG 10-12
Instrument Date	May 15, 2018
Instrument	W00856-00253
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1481 W OAK GROVE RD, 1481, HERNANDO, MS 38632-9740

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1481 W OAK GROVE RD, HERNANDO, MS 38632-9740

Tax Assessment & Valuation

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	$2,065.00 (+17.2%)	$20,278 (+36.58%) Land $3,000 Building $17,278	$202,781 (+36.58%) Land $30,000 Building $172,781
2023	$1,762.00	$14,847	$148,471 Land $30,000 Building $118,471

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

Flood

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	6 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · above 57% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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