2481 Oak Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 2481 Oak Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,319 sqft · built 2002
Lot Size	1.62 acres (70,567 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,067 (2025)
Deeds & Mortgages	Feb 2017 Construction Loan Feb 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-16-06-0-00034-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-16-06-0-00034-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,319 sqft Adjusted Area
1st Floor Area	2,167 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	70,567 sqft (1.62 acres)

Location & Zoning

Street Address	2481 OAK CREEK DR
City	HERNANDO
State	MS
Zip	38632-6677
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	OAK WOODS CREEK S-D 1ST REV LOT 34
Legal Range	007
Legal Township	03S
Legal Section	16
Legal Subdivision	OAK WOODS CREEK S-D
Legal Lot Number	34
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71001

Owner

2481 Oak Creek Dr is owned and occupied by two individuals who acquired it in February 2017.

Source: DeSoto County records, as of December 23, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2481 OAK CREEK DR, HERNANDO, MS 38632-6677
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST SECURITY BANK
Feb 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 13, 2017
Transfer Doc	000816/216
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2481 OAK CREEK DR, HERNANDO, MS 38632-6677
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004308/672
Date	Feb 27, 2017
Book Page	4308/672

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Aug 13, 2017

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESOTO MS
Recording Date	Feb 27, 2017
Property Address	2481 OAK CREEK DR, HERNANDO, MS 38632-6677
Document Number	000816/216
Book / Page	0816 / 216
Map Reference	PL MB 55 PG 29-31
Instrument Date	Feb 13, 2017
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2481 OAK CREEK DR, 2481, HERNANDO, MS 38632-6677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2481 OAK CREEK DR, HERNANDO, MS 38632-6677

Tax Assessment & Valuation

The 2025 property tax bill for 2481 Oak Creek Dr was $2,067.

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	$2,067.00	$28,696 Land $3,000 Building $25,696	$286,963 Land $30,000 Building $256,963
2023	$1,775.00	$20,761	$207,608 Land $30,000 Building $177,608

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2481 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

Wildfire risk around 2481 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.

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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