2120 Lauren Way, Hernando, MS 38632 Property Records

DeSoto County property record for 2120 Lauren Way, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,275 sqft · built 2024
Lot Size	2.96 acres (128,938 sqft)
Owner	Individual Name on File
Tax Bill	$3,232 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-8-33-04-0-00038-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-8-33-04-0-00038-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,275 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	128,938 sqft (2.96 acres)

Location & Zoning

Street Address	2120 LAUREN WAY
City	HERNANDO
State	MS
Zip	38632-1455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	ESTATES OF GRAYS VALLEY SEC C LOT 38
Legal Subdivision	ESTATES OF GRAYS VALLEY
Legal Lot Number	38
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2038
Census Tract	71002

Owner

2120 Lauren Way is owned and occupied by an individual who acquired it in July 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2120 LAUREN WAY, HERNANDO, MS 38632-1455
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 10, 2024	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CME LENDING GROUP LLC
Mar 19, 2024	Warranty Deed, Construction Loan · Construction Mortgage SOUTHERN BANCORP BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2024
Deed Sale	Jul 10, 2024
Prior Sale	Mar 19, 2024
Deed Document Number	0102412182
Deed Book / Page	1024 / 12182
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2120 LAUREN WAY, HERNANDO, MS 38632-1455
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2120 LAUREN WAY, HERNANDO, MS 38632-1455
Investor	Possibly a Property Investor

Mortgage

Document Number	05663/7832
Date	Jan 23, 2026
Book Page	5663/7832

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

July 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 10, 2024
Property Address	2120 LAUREN WAY, HERNANDO, MS 38632-1455
Document Number	1024/12182
Book / Page	1024 / 12182
Map Reference	MB 149 PG 6
Instrument Date	Jun 26, 2024
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1990 GREEN PORT DR, HERNANDO, MS 38632-7274

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2120 LAUREN WAY, HERNANDO, MS 38632-1455
Investor	Possibly a Property Investor

Mortgage

Document Number	0566164816
Date	Jul 10, 2024
Instrument	5661/64816

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2054

March 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 19, 2024
Property Address	2120 LAUREN WAY, HERNANDO, MS 38632-1455
Document Number	01024/4563
Book / Page	1024 / 4563
Map Reference	MB 149 PG 6
Instrument Date	Mar 11, 2024
Transaction Type	Construction Loan
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1947 ROYAL LN, HERNANDO, MS 38632-7552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1990 GREEN PORT DR, HERNANDO, MS 38632-7274

Mortgage

Document Number	0566123635
Date	Mar 19, 2024
Instrument	5661/23635

Lender

Name	SOUTHERN BANCORP BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 10, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 2120 Lauren Way was $3,232.

Source: DeSoto County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,232.00	$42,314 Land $5,000 Building $37,314	$423,143 Land $50,000 Building $373,143

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2120 Lauren Way 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	3 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

Wildfire risk around 2120 Lauren Way is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · above 64% 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	BELMONT WATER ASSOCIATION public/private · serves 2,719 people · EPA ID MS0170001
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G and 4G LTE (outdoors only)

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