DeSoto County property record for 1786 Cotton Dr, Hernando, MS 38632 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Year Built | Built 2006 |
| Square Footage | 3,064 sqft Adjusted Area |
| Lot Size | 42,962 sqft (0.986 acres) |
| Pool | 512 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $351,000 (2010) |
| Tax Bill | $3,605.00 (2025) |
| Primary APN | 3-08-6-14-05-0-00044-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Building Area | 3,064 sqft Adjusted Area |
| 1st Floor | 2,134 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick Veneer Exterior |
| Construction Type | Brick Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 42,962 sqft (0.986 acres) |
| Pool Area | 512 sqft Pool |
| Patio Area | 234 sqft Patio |
| Utility Building | 256 sqft Utility Building |
| Street Address | 1786 COTTON DR |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-6765 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WEATHERBY PLACE SEC A LOT 44 |
| Legal Range | 008 |
| Legal Township | 03S |
| Legal Section | 14 |
| Legal Subdivision | WEATHERBY PLACE SEC A |
| Legal Lot Number | 44 |
| Jurisdiction | DESOTO MS |
| Minor Civil Division | 4 |
| Census Blockgroup | 2 |
| Census Block | 2005 |
| Census Tract | 71123 |
Source: DeSoto County records · APN 3-08-6-14-05-0-00044-00
Assessment roll updated December 15, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1786 COTTON DR, HERNANDO, MS 38632-6765 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Et Ux (and Wife) - Vendor Data Only |
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Building or Construction Mortgage PLANTERS BANK AND TRUST COMPANY |
| Jan 05, 2026 | Deed of Trust, Mortgage · Line of Credit BANK3 |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 08, 2010 · Amount on Record |
| Deed Sale | Jan 08, 2010 · Amount on Record |
| Deed Book / Page | 624 / 717 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | May 19, 2026 |
| Property Address | 1786 COTTON DR, HERNANDO, MS 38632-6765 |
| Document Number | 5663054601 |
| Book / Page | 5663 / 54601 |
| Instrument Date | May 11, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | GUARDIAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1786 COTTON DR, HERNANDO, MS 38632-6765 |
| Document Number | 5663054601, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 5663/54601 |
| Name | PLANTERS BANK AND TRUST COMPANY |
|---|
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 15, 2027 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 1786 COTTON DR, HERNANDO, MS 38632-6765 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1786 COTTON DR, HERNANDO, MS 38632-6765 |
| Investor | Possibly a Property Investor |
| Document Number | 0005663/21 |
|---|---|
| Date | Jan 05, 2026 |
| Book Page | 5663/21 |
| Name | BANK3 |
|---|---|
| Type | Bank |
| Address | SOUTHAVEN, MS 38672 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Dec 16, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,605.00 (+19.53%) | $33,521 (+40.21%) Land $4,000 Building $29,521 | $335,211 (+40.21%) Land $40,000 Building $295,211 |
| 2023 | $3,016.00 | $23,907 | $239,074 Land $40,000 Building $199,074 |
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