1914 Cotton Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 1914 Cotton Dr, Hernando, MS 38632 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Year Built	Built 2006
Square Footage	2,912 sqft Adjusted Area
Lot Size	50,528 sqft (1.16 acres)
Occupancy	Owner Occupied
Tax Bill	$3,289.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`3-08-6-14-05-0-00041-00`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	2,912 sqft Adjusted Area
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Exterior Material	Brick Veneer Exterior
Construction Type	Brick Construction
Foundation Type	Mat/Raft Foundation (Slab) Foundation
Roof Construction	Gable Roof Construction
Roof Material	Shingle Roof
Lot Area	50,528 sqft (1.16 acres)

Location & Zoning

Street Address	1914 COTTON DR
City	HERNANDO
State	MS
Zip	38632-6769
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WEATHERBY PLACE SEC A LOT 41
Legal Range	08
Legal Township	03
Legal Section	14
Legal Subdivision	WEATHERBY PLACE SEC A
Legal Lot Number	41
Jurisdiction	DESOTO MS
Minor Civil Division	4
Census Blockgroup	2
Census Block	2005
Census Tract	71123

Owner

Source: DeSoto County records · APN 3-08-6-14-05-0-00041-00

Assessment roll updated September 1, 2025 · Last verified January 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
Co-owner	Verified Secondary Owner
Mailing Address	1914 COTTON DR, HERNANDO, MS 38632-6769
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Doc Number	0000544315
Record Refreshed	Jun 08, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1914 COTTON DR, HERNANDO, MS 38632-6769
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1914 COTTON DR, HERNANDO, MS 38632-6769

Mortgage

Document Number	005377/230
Date	Oct 19, 2021
Book Page	5377/230

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 12, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,289.00 (+15.73%)	$30,815 (+36.04%) Land $4,000 Building $26,815	$308,153 (+36.04%) Land $40,000 Building $268,153
2023	$2,842.00	$22,651	$226,514 Land $40,000 Building $186,514

Flood & Wildfire

1914 Cotton Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · DeSoto County (28033C), updated June 5, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 47th percentile of exposed land nationally · 45th in Mississippi
Wildfire Likelihood	Moderate — about 1 in 877 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.