2172 Grays Creek Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 2172 Grays Creek Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,328 sqft · built 1976
Lot Size	2.92 acres (127,195 sqft)
Owner	Company Name on File
Last Sale	$150,100 (May 2018)
Tax Bill	$1,560 (2025)
Deeds & Mortgages	Aug 2019 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-07-2-04-01-0-00001-00`

Property Details

APN / Parcel Number

Primary APN	`4-07-2-04-01-0-00001-00`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,328 sqft Adjusted Area
Interior Walls	Plywood

Exterior

Year Built	Built 1976
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	127,195 sqft (2.92 acres)
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces
Pool Area	693 sqft

Location & Zoning

Street Address	2172 GRAYS CREEK RD
City	HERNANDO
State	MS
Zip	38632-8911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	JAYBIRD S-D LOT 1
Legal Range	07
Legal Township	04
Legal Section	04
Legal Subdivision	JAYBIRD S-D
Legal Lot Number	1
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2057
Census Tract	71002

Owner

2172 Grays Creek Rd is owned by a company that bought it in May 2018 and is owner-occupied.

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	Company Name on File
Mailing Address	2172 GRAYS CREEK RD, HERNANDO, MS 38632-8911
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE BANK OF FAYETTE COUNTY
May 22, 2018	Special Warranty Deed, Transfer · Commercial Mortgage COMMUNITY BANK OF MISSISSIPPI
Jan 31, 2018	Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2018 · Amount on File
Deed Sale	May 22, 2018 · Amount on File
Prior Sale	Jan 31, 2018
Deed Document Number	W00856-00545
Deed Book / Page	856 / 545
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2172 GRAYS CREEK RD, HERNANDO, MS 38632-8911
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004783/278
Date	Aug 21, 2019
Book Page	4783/278

Lender

Name	THE BANK OF FAYETTE COUNTY
Type	Bank
Address	SOMERVILLE, TN 38068

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 22, 2018
Property Address	2172 GRAYS CREEK RD, HERNANDO, MS 38632-8911
Document Number	000856/545
Book / Page	856 / 545
Map Reference	PB 11 PG 27
Instrument Date	May 9, 2018
Instrument	W00856-00545
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5485 PEPPER CHASE DR, SOUTHAVEN, MS 38671-7425

Mortgage

Document Number	004545/137
Date	May 22, 2018
Book Page	4545/137
Instrument	T04545-00137

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 15, 2019

Interest

Rate Type	Fixed Rate

January 2018: Deed, Foreclosure

Document Type	Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 31, 2018
Property Address	2172 GRAYS CREEK RD, HERNANDO, MS 38632-8911
Document Number	000847/416
Book / Page	847 / 416
Map Reference	PB 11 PG 27
Instrument Date	Jan 30, 2018
Instrument	W00847-00416
Transaction Type	Foreclosure
Record Updated	Sep 27, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8480 STAGECOACH CIR, FREDERICK, MD 21701-4747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 W END AVE # 760W, 760W, NASHVILLE, TN 37203-1042

Tax Assessment & Valuation

The 2025 property tax bill for 2172 Grays Creek Rd was $1,560.

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	$1,560.00	$22,288 Land $2,920 Building $19,368	$222,877 Land $29,200 Building $193,677
2023	$1,114.00	$14,010 (-)	$140,100 (-) Land $29,200 Building $110,900
2022	$1,114.00	$14,010 Land $2,920 Building $11,090	$140,100 Land $29,200 Building $110,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2172 Grays Creek Rd 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 2172 Grays Creek Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 72% of Mississippi
Wildfire Likelihood	0.2% 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, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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