161 W Northern St, Hernando, MS 38632 Property Records

DeSoto County property record for 161 W Northern St, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 5,311 sqft · built 1988
Lot Size	0.597 acres (26,020 sqft)
Owner	Individual Name on Record
Tax Bill	$6,128 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-13-00-1-00057-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-13-00-1-00057-00`

Interior

Bedrooms	4 Beds
Total Rooms	10 Rooms
Stories	1 Story
Building Area	5,311 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	26,020 sqft (0.597 acres)
Lot Dimensions	270 ft deep x 85 ft wide
Pool Area	648 sqft

Location & Zoning

Street Address	161 W NORTHERN ST
City	HERNANDO
State	MS
Zip	38632-1900
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Description	13-3-8 PT. LOT 307 & 308 HERNANDO INC W 25' CHURCH ST ADJ 307 & 308
Legal Range	08
Legal Township	03
Legal Section	13
Legal Quarter	NW
Legal Subdivision	HERNANDO INC
Legal Lot Number	307-308 308
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1069
Census Tract	71122

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Hernando North Side Historic District listed 2001 · 18 contributing resources · NRIS 01000916

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	161 W NORTHERN ST, HERNANDO, MS 38632-1900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 31, 2024	Warranty Deed, Transfer · Conventional Mortgage EAGLE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2024
Deed Sale	Oct 31, 2024
Deed Document Number	0102420054
Deed Book / Page	1024 / 20054
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	161 W NORTHERN ST, HERNANDO, MS 38632-1900
Transaction Type	Mortgage
Record Updated	Dec 17, 2025
Title Company	UNITY TITLE GROUP LLC, QUALITY TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 W NORTHERN ST, HERNANDO, MS 38632-1900

Mortgage

Document Number	005068/242
Date	Oct 19, 2020
Book Page	5068/242

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 31, 2024
Property Address	161 W NORTHERN ST, HERNANDO, MS 38632-1900
Document Number	1024/20054
Book / Page	1024 / 20054
Map Reference	MB 177 PG 246
Instrument Date	Oct 29, 2024
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 NORTHPOINTE DRIVE, HERNANDO, MS 38632

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	161 W NORTHERN ST, HERNANDO, MS 38632-1900

Mortgage

Document Number	5661108352
Date	Oct 31, 2024
Instrument	5661/108352

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

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	$6,128.00 (+58.88%)	$55,178 (+56.3%) Land $1,651 Building $53,527	$551,784 (+56.3%) Land $16,511 Building $535,273
2023	$3,857.00	$35,303	$353,031 Land $16,511 Building $336,520

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
Nearby Flood Policies	3 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	Low lower than 65% of the US · lower than 82% of Mississippi
Wildfire Likelihood	0.03% 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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: C Spire Wireless.

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