DeSoto County property record for 1604 Cedar Grove Dr, Hernando, MS 38632 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3,387 sqft · built 2002 |
| Lot Size | 0.552 acres (24,046 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,299 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-07-3-07-12-0-00038-00 |
| Primary APN | 3-07-3-07-12-0-00038-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,387 sqft Adjusted Area |
| 1st Floor Area | 2,180 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 24,046 sqft (0.552 acres) |
| Lot Dimensions | 222 ft deep x 109 ft wide |
| Patio Area | 270 sqft |
| Street Address | 1604 CEDAR GROVE DR |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-6649 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE LAKES OF CEDAR GROVE S-D PHASE I LOT 38 |
| Legal Range | 007 |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | CEDAR GROVE S-D PHASE I |
| Legal Phase | 1 |
| Legal Lot Number | 38 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 71001 |
Source: DeSoto County records · APN 3-07-3-07-12-0-00038-00
Assessment roll updated December 15, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1604 CEDAR GROVE DR, HERNANDO, MS 38632-6649 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO |
| Jan 09, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARANTY BANK & TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 01, 2024 |
| Deed Sale | Jul 01, 2024 |
| Prior Sale | Jan 09, 2020 · Amount on Record |
| Deed Book / Page | 5 / 484 |
| Last Transfer Date | Jan 06, 2025 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1604 CEDAR GROVE DR, HERNANDO, MS 38632-6649 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1604 CEDAR GROVE DR, HERNANDO, MS 38632-6649 |
| Document Number | 0005075/70 |
|---|---|
| Date | Oct 26, 2020 |
| Book Page | 5075/70 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Jan 09, 2020 |
| Property Address | 1604 CEDAR GROVE DR, HERNANDO, MS 38632-6649 |
| Document Number | 000909/098 |
| Book / Page | 0909 / 098 |
| Map Reference | MB 55 PG 37&38 |
| Instrument Date | Jan 08, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1604 CEDAR GROVE DR, 1604, HERNANDO, MS 38632-6649 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1604 CEDAR GROVE DR, HERNANDO, MS 38632-6649 |
| Document Number | 0004866423 |
|---|---|
| Date | Jan 09, 2020 |
| Instrument | 4866/423 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,299.00 (+15.63%) | $30,900 (+35.97%) Land $4,500 Building $26,400 | $309,002 (+35.97%) Land $45,000 Building $264,002 |
| 2023 | $2,853.00 | $22,726 | $227,258 Land $45,000 Building $182,258 |
Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280330710011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 5 individual NFIP policies nearby |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 5 in force 3 of 5 on primary residences |
| Wildfire Risk | Low above 34% of the US · above 17% of Mississippi |
|---|---|
| Wildfire Likelihood | About 1 in 2,941 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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