187 Cross Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 187 Cross Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,139 sqft · built 2000
Lot Size	0.302 acres (13,175 sqft)
Owner	Individual Name on Record
Tax Bill	$2,174 (2025)
Deeds & Mortgages	Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-06-0-00051-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-06-0-00051-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,139 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	13,175 sqft (0.302 acres)
Lot Dimensions	159 ft deep x 78 ft wide

Location & Zoning

Street Address	187 CROSS CREEK DR
City	HERNANDO
State	MS
Zip	38632-1189
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERLAY
Legal Description	CROSS CREEK S-D SEC B LOT 51
Legal Range	08
Legal Township	03
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	51
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2002
Census Tract	71121

Owner

Source: DeSoto County records, as of February 3, 2026

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	187 CROSS CREEK DR, HERNANDO, MS 38632-1189
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2026
Deed Sale	Jan 23, 2026
Prior Sale	Aug 25, 2025
Deed Document Number	0010261283
Deed Book / Page	1026 / 1283
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 23, 2026
Property Address	187 CROSS CREEK DR, HERNANDO, MS 38632-1189
Document Number	01026/1283
Book / Page	1026 / 1283
Map Reference	MB 63 PG 3
Instrument Date	Jan 21, 2026
Transaction Type	Transfer
Record Updated	Feb 4, 2026
Title Company	TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 558, NESBIT, MS 38651-0558

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	187 CROSS CREEK DR, HERNANDO, MS 38632-1189

Mortgage

Document Number	0056637753
Date	Jan 23, 2026
Instrument	5663/7753

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

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	$2,174.00 (+33.87%)	$18,662 (+34.52%) Land $3,000 Building $15,662	$186,620 (+34.52%) Land $30,000 Building $156,620
2023	$1,624.00	$13,873	$138,734 Land $30,000 Building $108,734

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	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

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.

Nearby Properties on Cross Creek Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures