1646 Drake Cv W, Hernando, MS 38632 Property Records

DeSoto County property record for 1646 Drake Cv W, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,208 sqft · built 2003
Lot Size	0.216 acres (9,446 sqft)
Owner	Individual Name on Record
Tax Bill	$1,906 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-4-17-12-0-00046-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-4-17-12-0-00046-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,208 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	9,446 sqft (0.216 acres)
Lot Dimensions	130 ft deep x 69 ft wide
Patio Area	160 sqft

Location & Zoning

Street Address	1646 DRAKE CV W
City	HERNANDO
State	MS
Zip	38632-6944
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERLAY
Legal Description	CREEKSIDE S/D SEC B LOT 46
Legal Range	07
Legal Township	03
Legal Section	17
Legal Subdivision	CREEKSIDE S/D
Legal Lot Number	46
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	3
Census Block	3033
Census Tract	71001

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	1646 DRAKE CV W, HERNANDO, MS 38632-6944
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Apr 13, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Feb 28, 2022	Deed of Trust, Mortgage · FHA Mortgage GUARANTY BANK & TRUST CO
Jan 3, 2022	Warranty Deed, Transfer · FHA Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2022
Deed Sale	Jan 3, 2022
Deed Document Number	0000983557
Deed Book / Page	983 / 557
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1646 DRAKE CV W, HERNANDO, MS 38632-6944
Transaction Type	Mortgage
Record Updated	Jan 19, 2024
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1646 DRAKE CV W, HERNANDO, MS 38632-6944

Mortgage

Document Number	05661/2312
Date	Jan 9, 2024
Book Page	5661/2312

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2052

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1646 DRAKE CV W, HERNANDO, MS 38632-6944
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1646 DRAKE CV W, HERNANDO, MS 38632-6944

Mortgage

Document Number	5660/27436
Date	Apr 13, 2023
Book Page	5660/27436

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Jan 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1646 DRAKE CV W, HERNANDO, MS 38632-6944
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	REALITY TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1646 DRAKE CV W, HERNANDO, MS 38632-6944

Mortgage

Document Number	005474/767
Date	Feb 28, 2022
Book Page	5474/767

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 3, 2022
Property Address	1646 DRAKE CV W, HERNANDO, MS 38632-6944
Document Number	000983/557
Book / Page	983 / 557
Map Reference	MB 80 PG 32
Instrument Date	Dec 29, 2021
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6690 AQUILA CIR W, 6690, OLIVE BRANCH, MS 38654-9218

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1646 DRAKE CV W, HERNANDO, MS 38632-6944

Mortgage

Document Number	0005435250
Date	Jan 3, 2022
Instrument	5435/250

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

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	$1,906.00 (+17.8%)	$18,939 (+36.94%) Land $2,500 Building $16,439	$189,394 (+36.95%) Land $25,000 Building $164,394
2023	$1,618.00	$13,830	$138,299 Land $25,000 Building $113,299

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	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 80% of the US · lower than 90% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 serves 14,457 people · EPA ID MS0170009
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 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	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

1646 Drake Cv W, Hernando, MS 38632 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Drake Cv W

Nearby Streets

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