2326 Ouse Valley Ln, Hernando, MS 38632 Property Records

DeSoto County property record for 2326 Ouse Valley Ln, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,164 sqft · built 2013
Lot Size	0.204 acres (8,917 sqft)
Owner	Individual Name on Record
Tax Bill	$2,616 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Mar 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-21-01-0-00051-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-21-01-0-00051-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Building Area	2,164 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,917 sqft (0.204 acres)
Lot Dimensions	140 ft deep x 117 ft wide
Patio Area	168 sqft

Location & Zoning

Street Address	2326 OUSE VALLEY LN
City	HERNANDO
State	MS
Zip	38632-5603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SAINT IVES NBHD SEC A LOT 51
Legal Range	07
Legal Township	03
Legal Section	21
Legal Subdivision	SAINT IVES SEC A 1ST REV
Legal Lot Number	51
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2326 OUSE VALLEY LN, HERNANDO, MS 38632-5603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2024	Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF MERIDIAN
Mar 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO
Jul 13, 2020	Deed of Trust, Mortgage · Commercial Mortgage THE CITIZENS NATIONAL BANK OF MERIDIAN
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE CITIZENS NATIONAL BANK OF MERIDIAN
Mar 29, 2019	Warranty Deed, Transfer REALITY TITLE, REALTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2019
Deed Sale	Mar 29, 2019
Prior Sale	Oct 1, 2013
Deed Document Number	0000884195
Deed Book / Page	0884 / 195
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2326 OUSE VALLEY LN, HERNANDO, MS 38632-5603
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2326 OUSE VALLEY LN, HERNANDO, MS 38632-5603

Mortgage

Document Number	05661/3500
Date	Jan 12, 2024
Book Page	5661/3500

Lender

Name	THE CITIZENS NATIONAL BANK OF MERIDIAN
Type	Bank
Address	SOUTHAVEN, MS 38671

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Dec 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2326 OUSE VALLEY LN, HERNANDO, MS 38632-5603
Transaction Type	Mortgage
Record Updated	Dec 4, 2023
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004700/713
Date	Mar 29, 2019
Book Page	4700/713

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2326 OUSE VALLEY LN, HERNANDO, MS 38632-5603
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004989/353
Date	Jul 13, 2020
Book Page	4989/353

Lender

Name	THE CITIZENS NATIONAL BANK OF MERIDIAN
Type	Bank
Address	SOUTHAVEN, MS 38671

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Jun 5, 2030

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2326 OUSE VALLEY LN, HERNANDO, MS 38632-5603
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 CLASSIC DR S, HERNANDO, MS 38632-7594

Mortgage

Document Number	005124/647
Date	Jan 4, 2021
Book Page	5124/647

Lender

Name	THE CITIZENS NATIONAL BANK OF MERIDIAN
Type	Bank
Address	MERIDIAN, MS 39305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2041

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 29, 2019
Property Address	2326 OUSE VALLEY LN, HERNANDO, MS 38632-5603
Document Number	000884/195
Book / Page	0884 / 195
Map Reference	MB 109 PG 48&49
Instrument Date	Mar 21, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	REALITY TITLE, REALTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3158 MCKENNA WAY, 3158, HERNANDO, MS 38632-7148

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2326 OUSE VALLEY LN, HERNANDO, MS 38632-5603

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	$2,616.00 (+13.2%)	$22,457 (+34.77%) Land $3,800 Building $18,657	$224,568 (+34.77%) Land $38,000 Building $186,568
2023	$2,311.00	$16,663	$166,629 Land $38,000 Building $128,629

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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