DeSoto County property record for 1615 Cedar Lake Cir, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4,099 sqft · built 2005 |
| Lot Size | 0.62 acres (27,012 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,294 (2025) |
| Deeds & Mortgages | Sep 2024 Transfer Jul 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-07-3-07-16-0-00068-00 |
| Primary APN | 3-07-3-07-16-0-00068-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 4,099 sqft Adjusted Area |
| 1st Floor Area | 2,626 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Roof Material | Shingle |
| Lot Area | 27,012 sqft (0.62 acres) |
| Lot Dimensions | 215 ft deep x 106 ft wide |
| Street Address | 1615 CEDAR LAKE CIR |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-6951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12 OVERL |
| Legal Description | THE LAKES OF CEDAR GROVE PHASE II LOT 68 |
| Legal Range | 007 |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | LAKES OF CEDAR GROVE PH II |
| Legal Phase | 2 |
| Legal Lot Number | 68 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 71001 |
Source: DeSoto County records, as of March 23, 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 Record |
|---|---|
| Mailing Address | 1615 CEDAR LAKE CIR, HERNANDO, MS 38632-6951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2024 | Transfer on Death Deed, Transfer |
| Jul 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO |
| Mar 31, 2022 | Deed of Trust, Mortgage GUARANTY BANK & TRUST CO |
| Mar 7, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 7, 2023 |
| Deed Sale | Mar 7, 2023 |
| Deed Book / Page | 1023 / 3428 |
| Last Transfer Date | Sep 26, 2024 |
| Transfer Doc | 1024/17480 |
| Record Updated | Jun 8, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Sep 26, 2024 |
| Property Address | 1615 CEDAR LAKE CIR, HERNANDO, MS 38632-6951 |
| Document Number | 1024/17480 |
| Book / Page | 1024 / 17480 |
| Instrument Date | Sep 26, 2024 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1615 CEDAR LAKE CIRCLE, HERNANDO XX |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1615 CEDAR LAKE CIR, HERNANDO, MS 38632-6951 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 004766/509 |
|---|---|
| Date | Jul 23, 2019 |
| Book Page | 4766/509 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1615 CEDAR LAKE CIR, HERNANDO, MS 38632-6951 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1615 CEDAR LAKE CIR, HERNANDO, MS 38632-6951 |
| Document Number | 005499/153 |
|---|---|
| Date | Mar 31, 2022 |
| Book Page | 5499/153 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Mar 25, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Mar 7, 2023 |
| Property Address | 1615 CEDAR LAKE CIR, HERNANDO, MS 38632-6951 |
| Document Number | 01023/3428 |
| Book / Page | 1023 / 3428 |
| Map Reference | MB 76 PG 34 |
| Instrument Date | Mar 6, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1002 VAN DORN ST, OXFORD, MS 38655-5033 |
| Name | Verified Name |
|---|---|
| Address | 1615 CEDAR LAKE CIR, HERNANDO, MS 38632-6951 |
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 | $2,294.00 (-16.03%) | $27,198 (-) Land $4,000 Building $23,198 | $271,984 (-) Land $40,000 Building $231,984 |
| 2023 | $2,732.00 | $27,198 | $271,984 Land $40,000 Building $231,984 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 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 94% of the US · lower than 96% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| C Spire Wireless Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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