230 W Center St, Hernando, MS 38632 Property Records

DeSoto County property record for 230 W Center St, Hernando, MS 38632

Property Summary

Property Type	Commercial
Details	2,287 sqft · built 1996
Lot Size	0.343 acres (14,957 sqft)
Owner	Trust Name on File
Tax Bill	$2,930 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-13-00-4-00008-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-13-00-4-00008-00`

Interior

Building Area	2,287 sqft Adjusted Area
1st Floor Area	2,208 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Built-Up Asphalt
Lot Area	14,957 sqft (0.343 acres)
Lot Dimensions	140 ft deep x 110 ft wide

Location & Zoning

Street Address	230 W CENTER ST
City	HERNANDO
State	MS
Zip	38632-2242
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C-3
Legal Description	LOTS 72 & 77 & W PT 73 & 76 HERNANDO INC
Legal Range	008
Legal Township	03S
Legal Section	13
Legal Subdivision	HERNANDO INC
Legal Lot Number	72,77
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	3
Census Block	3009
Census Tract	71124

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Hernando Courthouse Square District listed 1998 · 15 contributing resources · NRIS 98000185

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: DeSoto County assessment roll, as of December 15, 2025

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

Owner of Record	Trust Name on File
Mailing Address	315 LOSHER ST, 200, HERNANDO, MS 38632-2115
Owner Type	Individual
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	Verified Name on Deed
Last Transfer Date	Aug 19, 2008
Transfer Doc	000592/150
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	230 W CENTER ST, HERNANDO, MS 38632-2242
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004326/620
Date	Mar 30, 2017
Book Page	4326/620

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	230 W CENTER ST, HERNANDO, MS 38632-2242
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004326/662
Date	Mar 30, 2017
Book Page	4326/662

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

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 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	$2,930.00 (+31.39%)	$25,151 (+56.41%) Land $6,930 Building $18,221	$167,675 (+56.41%) Land $46,200 Building $121,475
2023	$2,230.00	$16,080	$107,201 Land $46,200 Building $61,001

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 at the parcel

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 USA Fixed Wireless	100 / 20

May also be available: Telapex.

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