DeSoto County property record for 209 Cross Creek Dr, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,188 sqft · built 2000 |
| Lot Size | 0.32 acres (13,948 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $777 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-1-12-06-0-00049-00 |
| Primary APN | 3-08-1-12-06-0-00049-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,188 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 13,948 sqft (0.32 acres) |
| Lot Dimensions | 192 ft deep x 97 ft wide |
| Patio Area | 220 sqft |
| Street Address | 209 CROSS CREEK DR |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-1109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12 OVERLAY |
| Legal Description | CROSS CREEK S-D SEC B LOT 49 |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 12 |
| Legal Subdivision | CROSS CREEK S-D |
| Legal Lot Number | 49 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 71121 |
209 Cross Creek Dr is owned and occupied by an individual who acquired it in December 2006.
Source: DeSoto County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 209 CROSS CREEK DR, HERNANDO, MS 38632-1109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2006 |
| Deed Sale | Dec 5, 2006 |
| Deed Document Number | 0000545691 |
| Deed Book / Page | 0545 / 691 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 209 CROSS CREEK DR, HERNANDO, MS 38632-1109 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 209 CROSS CREEK DR, HERNANDO, MS 38632-1109 |
| Document Number | 5660/24169 |
|---|---|
| Date | Apr 3, 2023 |
| Book Page | 5660/24169 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Mar 26, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 209 Cross Creek Dr was $777.
Source: DeSoto County assessment roll, as of September 1, 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 | $777.00 | $14,171 Land $3,000 Building $11,171 | $141,712 Land $30,000 Building $111,712 |
| 2023 | $925.00 | $14,171 | $141,712 Land $30,000 Building $111,712 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 209 Cross Creek Dr 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 | 2 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 209 Cross Creek Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 84% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 335 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| C Spire Wireless Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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