2209 Oak Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 2209 Oak Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,125 sqft · built 2001
Lot Size	1.55 acres (67,518 sqft)
Owner	Individual Name on Record
Tax Bill	$1,265 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-16-06-0-00023-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-16-06-0-00023-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,125 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	Hip
Roof Material	Shingle
Lot Area	67,518 sqft (1.55 acres)
Patio Area	196 sqft

Location & Zoning

Street Address	2209 OAK CREEK DR
City	HERNANDO
State	MS
Zip	38632-6666
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	OAK WOODS CREEK S-D 1ST REV LOT 23
Legal Range	07
Legal Township	03
Legal Section	16
Legal Subdivision	OAK WOODS CREEK S-D
Legal Lot Number	23
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71001

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	2209 OAK CREEK DR, HERNANDO, MS 38632-6666
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP
Mar 16, 2020	Warranty Deed, Transfer · Commercial Mortgage FIRST COMMERCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2020
Deed Sale	Mar 16, 2020
Deed Document Number	0000915100
Deed Book / Page	915 / 100
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2209 OAK CREEK DR, HERNANDO, MS 38632-6666
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2209 OAK CREEK DR, HERNANDO, MS 38632-6666

Mortgage

Document Number	0005472/44
Date	Feb 24, 2022
Book Page	5472/44

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 16, 2020
Property Address	2209 OAK CREEK DR, HERNANDO, MS 38632-6666
Document Number	000915/100
Book / Page	915 / 100
Map Reference	MB 55 PG 29-31
Instrument Date	Mar 10, 2020
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6494 HIGHWAY 284, 6494, FORREST CITY, AR 72335-7576

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2209 OAK CREEK DR, HERNANDO, MS 38632-6666

Mortgage

Document Number	0004905370
Date	Mar 16, 2020
Instrument	4905/370

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 10, 2021

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	$1,265.00 (+13.96%)	$18,861 (+34.65%) Land $3,000 Building $15,861	$188,609 (+34.65%) Land $30,000 Building $158,609
2023	$1,110.00	$14,007	$140,074 Land $30,000 Building $110,074

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 53% of the US · above 62% 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	CITY OF HERNANDO serves 14,457 people · EPA ID MS0170009
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 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	3 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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