1577 W Oak Grove Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 1577 W Oak Grove Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,961 sqft · built 1992
Lot Size	1.9 acres (82,764 sqft)
Owner	Individual Name on Record
Tax Bill	$869 (2025)
Deeds & Mortgages	May 2021 Line of Credit Jun 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-23-01-0-00014-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-23-01-0-00014-00`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,961 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	82,764 sqft (1.9 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1577 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 14A
Legal Range	08
Legal Township	03
Legal Section	23
Legal Subdivision	OAK MANOR SD
Legal Lot Number	14A
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
Mailing Address	1577 W OAK GROVE RD, HERNANDO, MS 38632-9740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Jun 30, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000933506
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1577 W OAK GROVE RD, HERNANDO, MS 38632-9740
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1577W W OAK GROVE RD, HERNANDO, MS 38632-9740

Mortgage

Document Number	0005238/28
Date	May 10, 2021
Book Page	5238/28

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 26, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1577 W OAK GROVE RD, HERNANDO, MS 38632-9740
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1577W W OAK GROVE RD, HERNANDO, MS 38632-9740

Mortgage

Document Number	005278/581
Date	Jun 30, 2021
Book Page	5278/581

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 26, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$869.00 (-16.04%)	$14,941 (-) Land $1,900 Building $13,041	$149,411 (-) Land $19,000 Building $130,411
2023	$1,035.00	$14,941	$149,411 Land $19,000 Building $130,411

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 47% of the US · above 45% 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 105 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 · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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