187 Palmer Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 187 Palmer Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,501 sqft · built 2013
Lot Size	0.323 acres (14,102 sqft)
Owner	Individual Name on Record
Tax Bill	$2,568 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-06-09-0-00191-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-06-09-0-00191-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Building Area	2,501 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	14,102 sqft (0.323 acres)
Lot Dimensions	169 ft deep x 32 ft wide

Location & Zoning

Street Address	187 PALMER CV
City	HERNANDO
State	MS
Zip	38632-4553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	FAIRWAY GROVE S-D LOT 191
Legal Range	07
Legal Township	03
Legal Section	06
Legal Subdivision	FAIRWAY GROVE S-D
Legal Lot Number	191
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1000
Census Tract	71001

Owner

Source: DeSoto County records, as of December 22, 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	187 PALMER CV, HERNANDO, MS 38632-4553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 4, 2018	Deed of Trust, Mortgage · VA Mortgage PREMIA MORTGAGE LLC
Jun 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 4, 2018	Deed, Transfer FIRST NATIONAL FINANCIAL TITLE, FIRST NATIONAL FINANCIAL TIT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2018
Deed Sale	Jan 4, 2018
Prior Sale	Mar 1, 2013
Deed Document Number	W00845-00190
Deed Book / Page	845 / 190
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	187 PALMER CV, HERNANDO, MS 38632-4553
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 PALMER CV, HERNANDO, MS 38632-4553

Mortgage

Document Number	005339/122
Date	Sep 9, 2021
Book Page	5339/122

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2041

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	187 PALMER CV, HERNANDO, MS 38632-4553
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004475/536
Date	Jan 4, 2018
Book Page	4475/536
Instrument	T04475-00536

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	187 PALMER CV, HERNANDO, MS 38632-4553
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 PALMER CV, HERNANDO, MS 38632-4553

Mortgage

Document Number	005540/666
Date	Jun 1, 2022
Book Page	5540/666

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 4, 2018
Property Address	187 PALMER CV, HERNANDO, MS 38632-4553
Document Number	000845/190
Book / Page	845 / 190
Map Reference	PB 60 PG 22
Instrument Date	Dec 29, 2017
Instrument	W00845-00190
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	FIRST NATIONAL FINANCIAL TITLE, FIRST NATIONAL FINANCIAL TIT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4770 PLEASANT BREEZE DR, 4770, OLIVE BRANCH, MS 38654-0025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 PALMER CV, HERNANDO, MS 38632-4553

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	$2,568.00 (+17.47%)	$24,623 (+37.38%) Land $3,000 Building $21,623	$246,231 (+37.39%) Land $30,000 Building $216,231
2023	$2,186.00	$17,923	$179,225 Land $30,000 Building $149,225

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Moderate above 45% of the US · above 43% of Mississippi
Wildfire Likelihood	0.08% 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
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 63 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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