214 W Center St, Hernando, MS 38632 Property Records

DeSoto County property record for 214 W Center St, Hernando, MS 38632

Property Summary

Property Type	Commercial
Details	3,985 sqft
Lot Size	0.104 acres (4,554 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,931 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-13-00-4-00149-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-13-00-4-00149-00`

Interior

Building Area	3,985 sqft Adjusted Area
Interior Walls	Finished/Painted

Exterior

Exterior Material	Combination
Construction Type	Brick
Foundation Type	Masonry
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	4,554 sqft (0.104 acres)
Lot Dimensions	140 ft deep x 32 ft wide

Location & Zoning

Street Address	214 W CENTER ST
City	HERNANDO
State	MS
Zip	38632-2242
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C-3
Legal Description	13-3-8 EAST PT LOTS 73 & 76 HERNANDO INC
Legal Range	08
Legal Township	03
Legal Section	13
Legal Quarter	NE
Legal Subdivision	HERNANDO INC
Legal Lot Number	73,76 76
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	3
Census Block	3009
Census Tract	71124

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	315 LOSHER ST STE 200, 200, HERNANDO, MS 38632-2115
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2017	Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST CO
Mar 30, 2017	Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000817298
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	214 W CENTER ST, HERNANDO, MS 38632-2242
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004326/643
Date	Mar 30, 2017
Book Page	4326/643

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	155 Months
Due	Feb 10, 2030

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	214 W CENTER ST, HERNANDO, MS 38632-2242
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004326/685
Date	Mar 30, 2017
Book Page	4326/685

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	155 Months
Due	Feb 10, 2030

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	$3,931.00 (+18.12%)	$33,745 (+40.64%) Land $2,016 Building $31,729	$224,968 (+40.64%) Land $13,440 Building $211,528
2023	$3,328.00	$23,994	$159,963 Land $13,440 Building $146,523

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	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

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

Wildfire Risk	Low lower than 65% of the US · lower than 82% of Mississippi
Wildfire Likelihood	0.03% 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	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 205 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: C Spire Wireless.

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