2085 W Oak Grove Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 2085 W Oak Grove Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 5,037 sqft · built 2020
Lot Size	6.71 acres (292,723 sqft)
Owner	Individual Name on File
Tax Bill	$6,351 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit May 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-5-22-01-0-00001-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-5-22-01-0-00001-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	5,037 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	292,723 sqft (6.71 acres)
Pool Area	492 sqft
Patio Area	620 sqft

Location & Zoning

Street Address	2085 W OAK GROVE RD
City	HERNANDO
State	MS
Zip	38632-7678
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	CLIFTON GROVE LOT 1
Legal Range	08
Legal Township	03
Legal Section	22
Legal Subdivision	CLIFTON GROVE
Legal Lot Number	1
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2011
Census Tract	71123

Owner

Source: DeSoto County assessment roll, as of September 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	2085 W OAK GROVE RD, HERNANDO, MS 38632-7678
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Line of Credit EVOLVE BANK & TRUST
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage EVOLVE BANK & TRUST
May 1, 2020	Deed of Trust, Mortgage · Line of Credit EVOLVE BANK & TRUST
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVOLVE BANK & TRUST
May 23, 2022	Deed of Trust, Mortgage · Line of Credit EVOLVE BANK & TRUST
Sep 27, 2019	Warranty Deed, Construction Loan · Construction Mortgage EVOLVE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 27, 2019
Deed Sale	Sep 27, 2019
Deed Document Number	0000900264
Deed Book / Page	0900 / 264
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2085 W OAK GROVE RD, HERNANDO, MS 38632-7678
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2085 W OAK GROVE RD, HERNANDO, MS 38632-7678

Mortgage

Document Number	5663/28552
Date	Mar 18, 2026
Book Page	5663/28552

Lender

Name	EVOLVE BANK & TRUST
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 13, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2085 W OAK GROVE RD, HERNANDO, MS 38632-7678
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004935/608
Date	May 1, 2020
Book Page	4935/608

Lender

Name	EVOLVE BANK & TRUST
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2085 W OAK GROVE RD, HERNANDO, MS 38632-7678
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004935/640
Date	May 1, 2020
Book Page	4935/640

Lender

Name	EVOLVE BANK & TRUST
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Apr 24, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2085 W OAK GROVE RD, HERNANDO, MS 38632-7678
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	HOME SURETY T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2085 W OAK GROVE RD, HERNANDO, MS 38632-7678

Mortgage

Document Number	005379/719
Date	Oct 22, 2021
Book Page	5379/719

Lender

Name	EVOLVE BANK & TRUST
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2085 W OAK GROVE RD, HERNANDO, MS 38632-7678
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2085 W OAK GROVE RD, HERNANDO, MS 38632-7678

Mortgage

Document Number	005535/121
Date	May 23, 2022
Book Page	5535/121

Lender

Name	EVOLVE BANK & TRUST
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 13, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Sep 27, 2019
Property Address	2085 W OAK GROVE RD, HERNANDO, MS 38632-7678
Document Number	000900/264
Book / Page	0900 / 264
Map Reference	MB 128 PG 38
Instrument Date	Sep 19, 2019
Transaction Type	Construction Loan
Record Updated	Dec 12, 2023
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2047 CLIFTON RD, HERNANDO, MS 38632-8516

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5225 CRAWFORD RD, HERNANDO, MS 38632-6766

Mortgage

Document Number	0004805166
Date	Sep 27, 2019
Instrument	4805/166

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2020

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	$6,351.00 (+17.74%)	$57,061 (+39.14%) Land $7,000 Building $50,061	$570,610 (+39.13%) Land $70,000 Building $500,610
2023	$5,394.00	$41,011	$410,114 Land $70,000 Building $340,114

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 100 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 46% of the US · above 43% of Mississippi
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Telapex.

Cell Coverage

5G and 4G LTE (outdoors only)

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