2385 Oak Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 2385 Oak Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,466 sqft · built 2002
Lot Size	1.58 acres (68,825 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,782 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Nov 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-16-06-0-00030-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-16-06-0-00030-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,466 sqft Adjusted Area
1st Floor Area	1,349 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	68,825 sqft (1.58 acres)
Patio Area	216 sqft

Location & Zoning

Street Address	2385 OAK CREEK DR
City	HERNANDO
State	MS
Zip	38632-6676
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	OAK WOODS CREEK S-D 1ST REV LOT 30
Legal Range	007
Legal Township	03S
Legal Section	16
Legal Subdivision	OAK WOODS CREEK S-D
Legal Lot Number	30
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 23, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Warranty Deed, Transfer · VA Mortgage ARMED FORCES BANK NA
Nov 15, 2022	Deed of Trust, Mortgage · Line of Credit SYCAMORE BANK
May 5, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Feb 6, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jan 16, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit SYCAMORE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2023
Deed Sale	Mar 15, 2023
Deed Book / Page	1023 / 4052
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 15, 2023
Property Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676
Document Number	01023/4052
Book / Page	1023 / 4052
Map Reference	MB 55 PG 29
Instrument Date	Feb 20, 2023
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2343 GRAYS VALLEY DR N, HERNANDO, MS 38632-1055

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676

Mortgage

Document Number	0566017315
Date	Mar 15, 2023
Instrument	5660/17315

Lender

Name	ARMED FORCES BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676
Transaction Type	Mortgage
Record Updated	Dec 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676

Mortgage

Document Number	005633/239
Date	Nov 15, 2022
Book Page	5633/239

Lender

Name	SYCAMORE BANK
Type	Bank
Address	SENATOBIA, MS 38668

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004347/107
Date	May 5, 2017
Book Page	4347/107

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004674/685
Date	Feb 6, 2019
Book Page	4674/685

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004870/044
Date	Jan 16, 2020
Book Page	4870/044

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676

Mortgage

Document Number	005230/410
Date	May 5, 2021
Book Page	5230/410

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	236 Months
Due	Jan 1, 2041

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2385 OAK CREEK DR, HERNANDO, MS 38632-6676

Mortgage

Document Number	005591/624
Date	Aug 25, 2022
Book Page	5591/624

Lender

Name	SYCAMORE BANK
Type	Bank
Address	SENATOBIA, MS 38668

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,782.00 (+39.55%)	$21,605 (+36.96%) Land $3,000 Building $18,605	$216,046 (+36.95%) Land $30,000 Building $186,046
2023	$1,277.00	$15,775	$157,751 Land $30,000 Building $127,751

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 50% of the US · above 55% 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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