2305 Saint Ives Ln, Hernando, MS 38632 Property Records

DeSoto County property record for 2305 Saint Ives Ln, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,586 sqft · built 2011
Lot Size	0.229 acres (10,010 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,099 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-21-01-0-00064-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-21-01-0-00064-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	2,586 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,010 sqft (0.229 acres)

Location & Zoning

Street Address	2305 SAINT IVES LN
City	HERNANDO
State	MS
Zip	38632-5611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SAINT IVES NBHD SEC A 1ST REV SAINT IVE NBHD SEC A 1ST REV LOT 64
Legal Range	07
Legal Township	03
Legal Section	21
Legal Subdivision	SAINT IVES SEC A 1ST REV
Legal Lot Number	64
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2021
Census Tract	71002

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
Co-owner	Co-owner on Record
Mailing Address	2305 SAINT IVES LN, HERNANDO, MS 38632-5611
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · Line of Credit BANKPLUS
Jan 6, 2023	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY MORTGAGE CORP
Dec 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK PLUS
Aug 6, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 14, 2024
Deed Sale	May 14, 2024
Prior Sale	Jan 6, 2023
Deed Document Number	0010248500
Deed Book / Page	1024 / 8500
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2305 SAINT IVES LN, HERNANDO, MS 38632-5611
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 SAINT IVES LN, HERNANDO, MS 38632-5611

Mortgage

Document Number	05661/6651
Date	Jan 26, 2024
Book Page	5661/6651

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	85 Months
Due	Feb 5, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 6, 2023
Property Address	2305 SAINT IVES LN, HERNANDO, MS 38632-5611
Document Number	001022/293
Book / Page	1022 / 293
Map Reference	MB 109 PG 48&49
Instrument Date	Jan 6, 2023
Transaction Type	Transfer
Record Updated	Jan 24, 2023
Title Company	SLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5784 SYCAMORE RD, COLDWATER, MS 38618-5472

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 SAINT IVES LN, HERNANDO, MS 38632-5611

Mortgage

Document Number	0005654735
Date	Jan 6, 2023
Instrument	5654/735

Lender

Name	COMMUNITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2305 SAINT IVES LN, HERNANDO, MS 38632-5611
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004458/301
Date	Dec 1, 2017
Book Page	4458/301
Instrument	T04458-00301

Lender

Name	BANK PLUS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Dec 20, 2024

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 6, 2021
Property Address	2305 SAINT IVES LN, HERNANDO, MS 38632-5611
Document Number	000967/142
Book / Page	967 / 142
Map Reference	MB 109 PG 48&49
Instrument Date	Aug 3, 2021
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2435 CUMBERLAND DR, 2435, SOUTHAVEN, MS 38672-7124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 SAINT IVES LN, HERNANDO, MS 38632-5611

Mortgage

Document Number	0005311287
Date	Aug 6, 2021
Instrument	5311/287

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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	$2,099.00 (-19.49%)	$25,521 (+35.82%) Land $3,800 Building $21,721	$255,210 (+35.81%) Land $38,000 Building $217,210
2023	$2,607.00	$18,791	$187,913 Land $38,000 Building $149,913

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 63% 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 199 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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