2331 Oak Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 2331 Oak Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,669 sqft · built 2000
Lot Size	1.68 acres (73,181 sqft)
Owner	Individual Name on Record
Tax Bill	$1,769 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-16-06-0-00027-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-16-06-0-00027-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,669 sqft Adjusted Area
1st Floor Area	1,475 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	73,181 sqft (1.68 acres)
Pool Area	680 sqft
Patio Area	191 sqft

Location & Zoning

Street Address	2331 OAK CREEK DR
City	HERNANDO
State	MS
Zip	38632-6667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	OAK WOODS CREEK S-D 1ST REV LOT 27
Legal Range	007
Legal Township	03S
Legal Section	16
Legal Subdivision	OAK WOODS CREEK S-D
Legal Lot Number	27
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71001

Owner

Source: DeSoto County records, as of April 1, 2026

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
Mailing Address	2331 OAK CREEK DR, HERNANDO, MS 38632-6667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Nov 25, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 24, 2023	Warranty Deed, Transfer · FHA Mortgage EAGLE BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2022
Deed Sale	Apr 13, 2022
Prior Sale	Apr 21, 2021
Deed Book / Page	994 / 109
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2331 OAK CREEK DR, HERNANDO, MS 38632-6667
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2331 OAK CREEK DR, HERNANDO, MS 38632-6667

Mortgage

Document Number	0005339/99
Date	Sep 9, 2021
Book Page	5339/99

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 26, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2331 OAK CREEK DR, HERNANDO, MS 38632-6667
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2331 OAK CREEK DR, HERNANDO, MS 38632-6667

Mortgage

Document Number	5662/123008
Date	Nov 25, 2025
Book Page	5662/123008

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Apr 1, 2054

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 24, 2023
Property Address	2331 OAK CREEK DR, HERNANDO, MS 38632-6667
Document Number	01023/3159
Book / Page	1023 / 3159
Map Reference	MB 55 PG 29
Instrument Date	Jul 21, 2023
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	REALTY T&E CO INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4687 ROWSEY CROSSING DR, HERNANDO, MS 38632-1065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2331 OAK CREEK DR, HERNANDO, MS 38632-6667

Mortgage

Document Number	0566065679
Date	Jul 24, 2023
Instrument	5660/65679

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 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	$1,769.00 (+18.25%)	$25,092 (+39.65%) Land $3,000 Building $22,092	$250,917 (+39.65%) Land $30,000 Building $220,917
2023	$1,496.00	$17,968 (-)	$179,680 (-) Land $30,000 Building $149,680
2022	$1,496.00	$17,968 Land $3,000 Building $14,968	$179,680 Land $30,000 Building $149,680

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 55% of the US · above 66% 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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