DeSoto County property record for 2478 Oak Creek Dr, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,222 sqft · built 2001 |
| Lot Size | 1.55 acres (67,518 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,512 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-07-5-16-06-0-00035-00 |
| Primary APN | 3-07-5-16-06-0-00035-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,222 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 67,518 sqft (1.55 acres) |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 252 sqft |
| Street Address | 2478 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 35 |
| Legal Range | 07 |
| Legal Township | 03 |
| Legal Section | 16 |
| Legal Subdivision | OAK WOODS CREEK S-D |
| Legal Lot Number | 35 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 71001 |
2478 Oak Creek Dr is owned and occupied by an individual who acquired it in May 2015.
Source: DeSoto County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2478 OAK CREEK DR, HERNANDO, MS 38632-6678 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2015 |
| Deed Sale | May 5, 2015 |
| Prior Sale | Aug 5, 2008 |
| Deed Document Number | 0000762034 |
| Deed Book / Page | 0762 / 034 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2478 OAK CREEK DR, HERNANDO, MS 38632-6678 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | QUALITY TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 2478 OAK CREEK DR, HERNANDO, MS 38632-6678 |
| Document Number | 005345/261 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 5345/261 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 2478 Oak Creek Dr was $1,512.
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 | $1,512.00 | $21,976 Land $3,000 Building $18,976 | $219,760 Land $30,000 Building $189,760 |
| 2023 | $1,325.00 | $16,263 | $162,629 Land $30,000 Building $132,629 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2478 Oak Creek Dr in Zone X, an area of minimal flood risk.
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 risk around 2478 Oak Creek Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 60% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
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 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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