DeSoto County property record for 2412 Oak Creek Dr, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,979 sqft · built 2001 |
| Lot Size | 1.64 acres (71,438 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $1,850 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage Sep 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-07-5-16-06-0-00038-00 |
| Primary APN | 3-07-5-16-06-0-00038-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,979 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 71,438 sqft (1.64 acres) |
| Street Address | 2412 OAK CREEK DR |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-6678 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | OAK WOODS CREEK S-D 1ST REV LOT 38 |
| Legal Range | 07 |
| Legal Township | 03 |
| Legal Section | 16 |
| Legal Subdivision | OAK WOODS CREEK S-D |
| Legal Lot Number | 38 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 71001 |
Source: DeSoto County records, as of December 22, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2412 OAK CREEK DR, HERNANDO, MS 38632-6678 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTH FINANCIAL CU |
| Sep 28, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST SOUTH FINANCIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2008 |
| Deed Sale | May 7, 2008 |
| Deed Document Number | 0000584139 |
| Deed Book / Page | 584 / 139 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2412 OAK CREEK DR, HERNANDO, MS 38632-6678 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | EDCO TITLE |
| Name | Verified Name |
|---|
| Document Number | 004494/199 |
|---|---|
| Date | Feb 16, 2018 |
| Book Page | 4494/199 |
| Instrument | T04494-00199 |
| Name | FIRST SOUTH FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2412 OAK CREEK DR, HERNANDO, MS 38632-6678 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | EDCO TTL & CLOSING SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 2412 OAK CREEK DR, HERNANDO, MS 38632-6678 |
| Document Number | 005356/325 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 5356/325 |
| Name | FIRST SOUTH FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | SOUTHAVEN, MS 38671 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: DeSoto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,850.00 (+15.55%) | $26,066 (+37.07%) Land $3,000 Building $23,066 | $260,661 (+37.08%) Land $30,000 Building $230,661 |
| 2023 | $1,601.00 | $19,016 | $190,158 Land $30,000 Building $160,158 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 26 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 · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
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