DeSoto County property record for 2600 Panola St, Hernando, MS 38632
| Property Type | Commercial Office |
|---|---|
| Details | 5,320 sqft |
| Lot Size | 0.084 acres (3,682 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $6,410 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Mar 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-6-13-00-4-00047-00 |
| Primary APN | 3-08-6-13-00-4-00047-00 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 5,320 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Exterior Material | Composition/Composite |
|---|---|
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 3,682 sqft (0.084 acres) |
| Lot Dimensions | 60 ft deep x 60 ft wide |
| Patio Area | 780 sqft |
| Street Address | 2600 PANOLA ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-2100 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Local Zoning Code | C-3 |
| Legal Description | 13-3-8 LOT 124 HERNANDO INC |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | NE |
| Legal Subdivision | HERNANDO INC |
| Legal Lot Number | 124 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 71124 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Hernando Courthouse Square District listed 1998 · 15 contributing resources · NRIS 98000185 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
2600 Panola St, a commercial property, is held in a trust.
Source: DeSoto County records, as of December 22, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 315 LOSHER ST STE 200, 200, HERNANDO, MS 38632-2115 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 30, 2017 | Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST CO |
| Mar 30, 2017 | Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST CO |
| Aug 25, 2021 | Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000391302 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2600 PANOLA ST, HERNANDO, MS 38632-2100 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004326/662 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 4326/662 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 155 Months |
| Due | Feb 10, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2600 PANOLA ST, HERNANDO, MS 38632-2100 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004326/620 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 4326/620 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 155 Months |
| Due | Feb 10, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2600 PANOLA ST, HERNANDO, MS 38632-2100 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 315 LOSHER ST 200, 200, HERNANDO, MS 38632-2115 |
| Document Number | 005326/779 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 5326/779 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | SOUTHAVEN, MS 38671 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 20, 2041 |
The 2025 property tax bill for 2600 Panola St was $6,410.
Source: DeSoto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,410.00 | $55,023 Land $2,160 Building $52,863 | $366,823 Land $14,400 Building $352,423 |
| 2023 | $5,451.00 | $39,290 | $261,936 Land $14,400 Building $247,536 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2600 Panola St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 | 1 in force |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Feb 2011 |
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 2600 Panola St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 90% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within 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-JAYBIRD private · serves 6,750 people · EPA ID MS0170002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 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 | 5 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 232 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| C Spire Wireless Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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