173 Cross Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 173 Cross Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,305 sqft · built 1999
Lot Size	0.248 acres (10,806 sqft)
Owner	2 Individual Names on File
Last Sale	$210,500 (Aug 2013)
Tax Bill	$2,082 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2020 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-06-0-00052-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-06-0-00052-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,305 sqft Adjusted Area
1st Floor Area	1,757 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	10,806 sqft (0.248 acres)
Lot Dimensions	159 ft deep x 75 ft wide
Patio Area	384 sqft

Location & Zoning

Street Address	173 CROSS CREEK DR
City	HERNANDO
State	MS
Zip	38632-1189
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERL
Legal Description	CROSS CREEK S-D SEC B LOT 52
Legal Range	008
Legal Township	03S
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	52
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2002
Census Tract	71121

Owner

173 Cross Creek Dr is owned and occupied by two individuals who acquired it in February 2020.

Source: DeSoto County records, as of March 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed of Trust, Mortgage · Line of Credit MEMPHIS CITY EMPLOYEES CU
Mar 13, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMPHIS CITY EMPLOYEES CU
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEMPHIS CITY EMPLOYEES CU
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 5, 2022	Deed of Trust, Mortgage · Line of Credit MEMPHIS CITY EMPLOYEES CU
Mar 2, 2020	Intrafamily Transfer, Transfer LENDSERV NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2013 · Amount on File
Deed Sale	Aug 15, 2013 · Amount on File
Prior Sale	Jun 6, 2012 · Amount on File
Deed Book / Page	714 / 279
Last Transfer Date	Feb 27, 2020
Transfer Doc	000913/695
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189

Mortgage

Document Number	5663/20708
Date	Feb 27, 2026
Book Page	5663/20708

Lender

Name	MEMPHIS CITY EMPLOYEES CU
Type	Credit Union
Address	MEMPHIS, TN 38112

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 26, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004904/67
Date	Mar 13, 2020
Book Page	4904/67

Lender

Name	MEMPHIS CITY EMPLOYEES CU
Type	Credit Union
Address	MEMPHIS, TN 38115

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004904/50
Date	Mar 13, 2020
Book Page	4904/50

Lender

Name	MEMPHIS CITY EMPLOYEES CU
Type	Credit Union
Address	MEMPHIS, TN 38115

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189

Mortgage

Document Number	005240/203
Date	May 11, 2021
Book Page	5240/203

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	MEMPHIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189

Mortgage

Document Number	0005581/40
Date	Aug 5, 2022
Book Page	5581/40

Lender

Name	MEMPHIS CITY EMPLOYEES CU
Type	Credit Union
Address	MEMPHIS, TN 38115

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 4, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Mar 2, 2020
Property Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189
Document Number	000913/695
Book / Page	913 / 695
Map Reference	MB 63 PG 3
Instrument Date	Feb 27, 2020
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	LENDSERV NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	173 CROSS CREEK DR, HERNANDO, MS 38632-1189

Tax Assessment & Valuation

The 2025 property tax bill for 173 Cross Creek Dr was $2,082.

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	$2,082.00	$20,454 Land $3,000 Building $17,454	$204,543 Land $30,000 Building $174,543
2023	$1,797.00	$15,117	$151,174 Land $30,000 Building $121,174

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

FEMA maps place 173 Cross Creek Dr in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 173 Cross Creek Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 84% of Mississippi
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
C Spire Wireless Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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