1650 Cedar Lake Cir, Hernando, MS 38632 Property Records

DeSoto County property record for 1650 Cedar Lake Cir, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,198 sqft · built 2003
Lot Size	0.407 acres (17,748 sqft)
Owner	Individual Name on Record
Last Sale	$259,900 (Jul 2015)
Tax Bill	$2,976 (2025)
Deeds & Mortgages	Mar 2023 Transfer Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-07-16-0-00074-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-07-16-0-00074-00`

Interior

Bedrooms	3 Beds
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,198 sqft Adjusted Area
1st Floor Area	2,291 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Composition/Composite
Roof Type	Gable
Roof Material	Shingle
Lot Area	17,748 sqft (0.407 acres)
Lot Dimensions	161 ft deep x 96 ft wide

Location & Zoning

Street Address	1650 CEDAR LAKE CIR
City	HERNANDO
State	MS
Zip	38632-6950
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 74
Legal Range	007
Legal Township	03S
Legal Section	07
Legal Subdivision	LAKES OF CEDAR GROVE PH II
Legal Phase	2
Legal Lot Number	74
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1017
Census Tract	71001

Owner

Source: DeSoto County records, as of December 23, 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	1650 CEDAR LAKE CIR, HERNANDO, MS 38632-6950
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2023	Intrafamily Transfer, Transfer NOT AVAILABLE, GUARDIAN TITLE LLC
Mar 20, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage COMMUNITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2015 · Amount on Record
Deed Sale	Jul 1, 2015 · Amount on Record
Prior Sale	Sep 23, 2008 · Amount on Record
Deed Book / Page	766 / 594
Last Transfer Date	Mar 14, 2023
Transfer Doc	01023/4248
Record Updated	Jun 8, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Mar 20, 2023
Property Address	1650 CEDAR LAKE CIR, HERNANDO, MS 38632-6950
Document Number	01023/4248
Book / Page	1023 / 4248
Map Reference	MB 76 PG 34
Instrument Date	Mar 14, 2023
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1650 CEDAR LAKE CIR, HERNANDO, MS 38632-6950

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1650 CEDAR LAKE CIR, HERNANDO, MS 38632-6950

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Mar 20, 2023
Property Address	1650 CEDAR LAKE CIR, HERNANDO, MS 38632-6950
Document Number	01023/4246
Book / Page	1023 / 4246
Map Reference	MB 76 PG 34
Instrument Date	Mar 6, 2023
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7320 SUSIE LN, HORN LAKE, MS 38637-1249

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1650 CEDAR LAKE CIR, HERNANDO, MS 38632-6950

Mortgage

Document Number	0566018758
Date	Mar 20, 2023
Instrument	5660/18758

Lender

Name	COMMUNITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 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	$2,976.00 (+18.1%)	$28,128 (+38.38%) Land $2,900 Building $25,228	$281,283 (+38.38%) Land $29,000 Building $252,283
2023	$2,520.00	$20,327	$203,268 Land $29,000 Building $174,268

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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.

Wildfire

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.

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 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

1650 Cedar Lake Cir, 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

March 2023: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2023: Intrafamily Transfer, 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 Cedar Lake Cir

Nearby Streets

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