DeSoto County property record for 208 Elkwood Ln, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,481 sqft · built 2003 |
| Lot Size | 0.378 acres (16,472 sqft) |
| Owner | Individual Name on File |
| Last Sale | $358,005 (May 2026) |
| Tax Bill | $2,207 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Feb 2024 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-07-3-07-17-0-00166-00 |
| Primary APN | 3-07-3-07-17-0-00166-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,481 sqft Adjusted Area |
| 1st Floor Area | 2,078 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 16,472 sqft (0.378 acres) |
| Lot Dimensions | 142 ft deep x 115 ft wide |
| Street Address | 208 ELKWOOD LN |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-1267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12 |
| Legal Description | DEERCREEK SEC D LOT 166 |
| Legal Range | 007 |
| Legal Township | 03S |
| Legal Section | 07 |
| Legal Subdivision | DEERCREEK SEC D |
| Legal Lot Number | 166 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 71121 |
208 Elkwood Ln is owned and occupied by an individual who bought it in May 2026.
Source: DeSoto County records, as of June 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 6, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Feb 6, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Oct 8, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 8, 2012 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| May 21, 2026 | Warranty Deed, Transfer · FHA Mortgage PLANTERS BANK AND TRUST COMPANY |
| Sep 3, 2024 | Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on File |
| Deed Sale | May 21, 2026 · Amount on File |
| Prior Sale | Sep 3, 2024 · Amount on File |
| Deed Book / Page | 1026 / 8798 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 004899/167 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 4899/167 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Document Number | 05661/9868 |
|---|---|
| Date | Feb 6, 2024 |
| Book Page | 5661/9868 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Document Number | 05662/3615 |
|---|---|
| Date | Oct 8, 2025 |
| Book Page | 5662/3615 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 350 Months |
| Due | Dec 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003411/030 |
|---|---|
| Date | Mar 8, 2012 |
| Book Page | 3411/030 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | May 21, 2026 |
| Property Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Document Number | 1026008798 |
| Book / Page | 1026 / 8798 |
| Instrument Date | May 15, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | SELECT TITLE AND ESCROW COMPANY, SELECT TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Document Number | 5663056175, |
|---|---|
| Date | May 21, 2026 |
| Book Page | 5663/56175 |
| Name | PLANTERS BANK AND TRUST COMPANY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Sep 3, 2024 |
| Property Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Document Number | 1024/16094 |
| Book / Page | 1024 / 16094 |
| Map Reference | MB 77 PG 30 |
| Instrument Date | Aug 9, 2024 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | GUARDIAN TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1445 STONELAKE COVE AVE # AVE3302, AVE3302, HENDERSON, NV 89074-7900 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 208 ELKWOOD LN, HERNANDO, MS 38632-1267 |
| Document Number | 0566185460 |
|---|---|
| Date | Sep 3, 2024 |
| Instrument | 5661/85460 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2054 |
The 2025 property tax bill for 208 Elkwood Ln was $2,207.
Source: DeSoto County assessment roll, as of December 15, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,207.00 | $21,521 Land $3,000 Building $18,521 | $215,210 Land $30,000 Building $185,210 |
| 2023 | $1,888.00 | $15,776 | $157,761 Land $30,000 Building $127,761 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 208 Elkwood Ln in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 208 Elkwood Ln is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 80% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 212 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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