21 Cross Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 21 Cross Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,964 sqft · built 2001
Lot Size	0.343 acres (14,973 sqft)
Owner	Individual Name on Record
Tax Bill	$2,174 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-09-0-00070-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-09-0-00070-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,964 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	14,973 sqft (0.343 acres)
Lot Dimensions	144 ft deep x 38 ft wide
Patio Area	70 sqft

Location & Zoning

Street Address	21 CROSS CREEK DR
City	HERNANDO
State	MS
Zip	38632-1139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERLAY
Legal Description	CROSS CREEK S-D SEC C LOT 70
Legal Range	08
Legal Township	03
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	70
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	71121

Owner

Source: DeSoto County records, as of December 22, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 44, HERNANDO, MS 38632-0044
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Dec 12, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2019
Deed Sale	Dec 12, 2019
Prior Sale	Dec 22, 2014
Deed Document Number	0000906793
Deed Book / Page	0906 / 793
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	21 CROSS CREEK DR, HERNANDO, MS 38632-1139
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	935 HICKORY RIDGE DR, HERNANDO, MS 38632-8027

Mortgage

Document Number	0005425/44
Date	Dec 20, 2021
Book Page	5425/44

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 12, 2019
Property Address	21 CROSS CREEK DR, HERNANDO, MS 38632-1139
Document Number	000906/793
Book / Page	0906 / 793
Map Reference	MB 64 PG 6
Instrument Date	Dec 10, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	REALITY TITLE, REALTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	534 OLD GIN PL, 534, HERNANDO, MS 38632-1934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 44, HERNANDO, MS 38632-0044

Mortgage

Document Number	0004852291
Date	Dec 12, 2019
Instrument	4852/291

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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	$2,174.00 (+12.99%)	$18,667 (+34.57%) Land $3,000 Building $15,667	$186,666 (+34.56%) Land $30,000 Building $156,666
2023	$1,924.00	$13,872	$138,722 Land $30,000 Building $108,722

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
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

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	0.02% annual chance
Exposure	None beyond ember reach

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 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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