DeSoto County property record for 2610 Panola St, Hernando, MS 38632
| Property Type | Commercial |
|---|---|
| Details | 1,196 sqft · built 2005 |
| Lot Size | 0.12 acres (5,262 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $1,908 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-6-13-00-4-00045-01 |
| Primary APN | 3-08-6-13-00-4-00045-01 |
|---|
| Building Area | 1,196 sqft Adjusted Area |
|---|---|
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Composition/Composite |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 5,262 sqft (0.12 acres) |
| Lot Dimensions | 74 ft deep x 74 ft wide |
| Street Address | 2610 PANOLA ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-2126 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | C-3 |
| Legal Description | 13-3-8 LOT 146 HERNANDO INC |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | NE |
| Legal Subdivision | HERNANDO INC |
| Legal Lot Number | 146 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 71124 |
Source: DeSoto County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 315 LOSHER ST STE 200, 200, HERNANDO, MS 38632-2115 |
| Owner Type | Company |
| Vesting | Trust |
| 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 |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000493243 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2610 PANOLA ST, HERNANDO, MS 38632-2126 |
| 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 Recorded |
| Term | 155 Months |
| Due | Feb 10, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2610 PANOLA ST, HERNANDO, MS 38632-2126 |
| 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 Recorded |
| Term | 155 Months |
| Due | Feb 10, 2030 |
| Rate Type | Adjustable Rate |
|---|
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 | $1,908.00 (+8.35%) | $16,378 (+28.99%) Land $3,419 Building $12,959 | $109,185 (+28.99%) Land $22,792 Building $86,393 |
| 2023 | $1,761.00 | $12,697 | $84,643 Land $22,792 Building $61,851 |
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 | 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.
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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