1909 W Oak Grove Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 1909 W Oak Grove Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,663 sqft · built 1979
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$367,000 (Apr 2026)
Tax Bill	$982 (2025)
Deeds & Mortgages	May 2017 Mortgage Nov 2019 Mortgage + 11 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-23-01-0-00021-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-23-01-0-00021-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,663 sqft Adjusted Area
1st Floor Area	1,508 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Other
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)
Pool Area	512 sqft
Utility Building	96 sqft

Location & Zoning

Street Address	1909 W OAK GROVE RD
City	HERNANDO
State	MS
Zip	38632-9741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	OAK MANOR SD SEC A LOT 21A
Legal Range	008
Legal Township	03S
Legal Section	23
Legal Subdivision	OAK MANOR SD
Legal Lot Number	21A
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2011
Census Tract	71123

Owner

Source: DeSoto County records · APN 3-08-6-23-01-0-00021-00

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	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 19, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Nov 05, 2019	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jul 02, 2021	Deed of Trust, Mortgage COMMUNITY BANK OF MISSISSIPPI
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 06, 2009	Deed of Trust, Mortgage · Conventional Mortgage IBERIABANK MORTGAGE CO
Aug 10, 2011	Deed of Trust, Mortgage COMMUNITY BANK
Apr 24, 2015	Deed of Trust, Mortgage · VA Mortgage COMMUNITY BANK OF MISSISSIPPI
Apr 29, 2015	Deed of Trust, Mortgage COMMUNITY BANK
Aug 25, 2008	Deed of Trust, Mortgage PULASKI BANK
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Apr 17, 2026	Administrator's Deed, Transfer · Conventional Mortgage REGIONS BANK
May 03, 2021	Warranty Deed, Transfer
Dec 09, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	May 03, 2021
Deed Document Number	2026
Deed Book / Page	1026 / 6642
Prior Transfer Date	Apr 30, 2021
Prior Transfer Doc	000956/538
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170519010120830
Date	May 19, 2017
Instrument	20170519010120830

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 01, 2037

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	BCHH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004831/722
Date	Nov 05, 2019
Book Page	4831/722

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2049

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741

Mortgage

Document Number	005282/405
Date	Jul 02, 2021
Book Page	5282/405

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FOREST, MS 39074

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jul 25, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741

Mortgage

Document Number	005326/691
Date	Aug 25, 2021
Book Page	5326/691

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2036

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003088/246
Date	Oct 06, 2009
Book Page	3088/246

Lender

Name	IBERIABANK MORTGAGE CO
Type	Mortgage Company
Address	LITTLE ROCK, AR 72223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2039

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003330/209
Date	Aug 10, 2011
Book Page	3330/209

Lender

Name	COMMUNITY BANK
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Aug 10, 2014

April 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003971/074
Date	Apr 24, 2015
Book Page	3971/074

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2045

April 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003973/075
Date	Apr 29, 2015
Book Page	3973/075

Lender

Name	COMMUNITY BANK
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Amount	Amount Recorded

August 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002939/326
Date	Aug 25, 2008
Book Page	2939/326

Lender

Name	PULASKI BANK
Type	Bank
Address	LITTLE ROCK, AR 72207

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2038

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Recording Date	Apr 17, 2026
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Document Number	5663041190
Book / Page	5663 / 41190
Instrument Date	Apr 17, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 MAGNOLIA GARDENS DR, HERNANDO, MS 38632-2461

Mortgage

Document Number	5663041190,
Date	Apr 17, 2026
Book Page	5663/41190

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 17, 2026
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Document Number	01026/6642
Book / Page	1026 / 6642
Instrument Date	Apr 17, 2026
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741

Mortgage

Document Number	5663041190,
Date	Apr 17, 2026
Book Page	5663/41190

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 03, 2021
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Document Number	000956/538
Book / Page	956 / 538
Map Reference	MB 26 PG 10
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1803 W OAK GROVE RD, HERNANDO, MS 38632-6787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 09, 2020
Property Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741
Document Number	000941/393
Book / Page	941 / 393
Map Reference	MB 17 PG 39-41
Instrument Date	Nov 24, 2020
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1909 W OAK GROVE RD, HERNANDO, MS 38632-9741

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1803 W OAK GROVE RD, HERNANDO, MS 38632-6787

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified June 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$982.00 (-16%)	$15,914 (-) Land $1,500 Building $14,414	$159,144 (-) Land $15,000 Building $144,144
2023	$1,169.00	$15,914	$159,144 Land $15,000 Building $144,144

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 5, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	6 in force

Wildfire

Wildfire Risk	Moderate above 48% of the US · above 50% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Telapex Fiber	8,000 / 8,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

Based on FCC filings for 105 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF HERNANDO-JAYBIRD private · serves 6,750 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.