2186 Grays Valley Dr N, Hernando, MS 38632 Property Records

DeSoto County property record for 2186 Grays Valley Dr N, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 4,009 sqft · built 2022
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$3,619 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`3-07-8-33-03-0-00021-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-8-33-03-0-00021-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	4,009 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	130,680 sqft (3 acres)

Location & Zoning

Street Address	2186 GRAYS VALLEY DR N
City	HERNANDO
State	MS
Zip	38632-1057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	ESTATES OF GRAYS VALLEY SEC B LOT 21
Legal Subdivision	ESTATES OF GRAYS VALLEY
Legal Lot Number	21
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2038
Census Tract	71002

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
Co-owner	Co-owner on Record
Mailing Address	2186 GRAYS VALLEY DR N, HERNANDO, MS 38632-1057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage CME LENDING GROUP LLC
Feb 2, 2023	Warranty Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2023
Deed Sale	Feb 2, 2023
Deed Document Number	0001023293
Deed Book / Page	1023 / 293
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2186 GRAYS VALLEY DR N, HERNANDO, MS 38632-1057
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	890 SIDEWALK RD, CHESTERTON, IN 46304-9683

Mortgage

Document Number	005660/565
Date	Feb 2, 2023
Book Page	5660/565

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company
Address	CHESTERTON, IN 46304

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

February 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Feb 2, 2023
Property Address	2186 GRAYS VALLEY DR N, HERNANDO, MS 38632-1057
Document Number	001023/293
Book / Page	1023 / 293
Map Reference	MB 140 PG 35
Instrument Date	Jan 25, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 15, 2023

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 by the Entirety
Address	2186 GRAYS VALLEY DR N, HERNANDO, MS 38632-1057

Tax Assessment & Valuation

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	$3,619.00	$46,950 Land $5,000 Building $41,950	$469,495 Land $50,000 Building $419,495

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	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

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

Wildfire Risk	Moderate above 51% of the US · above 57% of Mississippi
Wildfire Likelihood	0.1% 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.

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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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