1983 W Oak Grove Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 1983 W Oak Grove Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,730 sqft · built 1988
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jun 2022)
Tax Bill	$3,010 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-23-01-0-00023-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-23-01-0-00023-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,730 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	130,680 sqft (3 acres)

Location & Zoning

Street Address	1983 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 23
Legal Range	08
Legal Township	03
Legal Section	23
Legal Subdivision	OAK MANOR SD
Legal Lot Number	23
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2011
Census Tract	71123

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
Co-owner	Co-owner on Record
Mailing Address	1983 W OAK GROVE RD, HERNANDO, MS 38632-9741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jun 22, 2022	Executor's Deed, Transfer · Conventional Mortgage EAGLE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2022 · Amount on Record
Deed Sale	Jun 22, 2022 · Amount on Record
Deed Document Number	0001001332
Deed Book / Page	1001 / 332
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1983 W OAK GROVE RD, HERNANDO, MS 38632-9741
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1983W W OAK GROVE RD, HERNANDO, MS 38632-9741

Mortgage

Document Number	05663/5503
Date	Jan 20, 2026
Book Page	5663/5503

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2046

June 2022: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 22, 2022
Property Address	1983 W OAK GROVE RD, HERNANDO, MS 38632-9741
Document Number	001001/332
Book / Page	1001 / 332
Map Reference	MB 17 PG 15
Instrument Date	Jun 21, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	295 PALESTINE RD, 295, COLDWATER, MS 38618-7323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1983 W OAK GROVE RD, HERNANDO, MS 38632-9741

Mortgage

Document Number	0005554/74
Date	Jun 22, 2022
Book Page	5554/74

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank
Address	LITTLE ROCK, AR 72211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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	$3,010.00 (+27.38%)	$28,387 (+48.06%) Land $3,000 Building $25,387	$283,868 (+48.05%) Land $30,000 Building $253,868
2023	$2,363.00	$19,173	$191,733 Land $30,000 Building $161,733

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	6 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 51% of the US · above 59% of Mississippi
Wildfire Likelihood	0.1% 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 105 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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