18 McKinzie Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 18 McKinzie Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,967 sqft · built 2004
Lot Size	0.33 acres (14,409 sqft)
Owner	Individual Name on File
Tax Bill	$1,173 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-01-06-0-00065-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-01-06-0-00065-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,967 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	14,409 sqft (0.33 acres)
Lot Dimensions	126 ft deep x 47 ft wide

Location & Zoning

Street Address	18 MCKINZIE CV
City	HERNANDO
State	MS
Zip	38632-1342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERLAY
Legal Description	FORKED CREEK SUB SECTION B LOT 65
Legal Range	08
Legal Township	03
Legal Section	01
Legal Subdivision	FORKED CREEK SUB
Legal Lot Number	65
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	71121

Owner

18 McKinzie Cv is owned and occupied by an individual who acquired it in August 2018.

Source: DeSoto County records, as of December 22, 2025

Owner of Record	Individual Name on File
Mailing Address	18 MCKINZIE CV, HERNANDO, MS 38632-1342
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUM TREE MORTGAGE LLC
Aug 24, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2018
Deed Sale	Aug 24, 2018
Deed Document Number	W00865-00633
Deed Book / Page	865 / 633
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	18 MCKINZIE CV, HERNANDO, MS 38632-1342
Transaction Type	Mortgage
Record Updated	Jan 20, 2023
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 MCKINZIE CV, HERNANDO, MS 38632-1342

Mortgage

Document Number	005653/188
Date	Jan 3, 2023
Book Page	5653/188

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 3, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	18 MCKINZIE CV, HERNANDO, MS 38632-1342
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004594/605
Date	Aug 24, 2018
Book Page	4594/605
Instrument	T04594-00605

Lender

Name	GUM TREE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 24, 2018
Property Address	18 MCKINZIE CV, HERNANDO, MS 38632-1342
Document Number	000865/633
Book / Page	865 / 633
Map Reference	PB 83 PG 1
Instrument Date	Aug 23, 2018
Instrument	W00865-00633
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 MCKINZIE CV, 18, HERNANDO, MS 38632-1342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 MCKINZIE CV, HERNANDO, MS 38632-1342

Tax Assessment & Valuation

The 2025 property tax bill for 18 McKinzie Cv was $1,173.

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	$1,173.00	$17,570 Land $3,500 Building $14,070	$175,697 Land $35,000 Building $140,697
2023	$1,397.00	$17,570	$175,697 Land $35,000 Building $140,697

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18 McKinzie Cv 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 18 McKinzie Cv 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 66% of the US · lower than 83% of Mississippi
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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
Also Mapped Here	NESBIT WATER ASSOCIATION
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 214 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

May also be available: AT&T.

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