2665 St Elmos Fire Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 2665 St Elmos Fire Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,981 sqft · built 2010
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on Record
Tax Bill	$3,696 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jun 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-4-17-20-0-00072-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-4-17-20-0-00072-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,981 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Pool Area	512 sqft
Patio Area	448 sqft

Location & Zoning

Street Address	2665 ST ELMOS FIRE DR
City	HERNANDO
State	MS
Zip	38632-5021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LEES SUMMIT 1ST ADD LOT 72
Legal Range	07
Legal Township	03
Legal Section	17
Legal Subdivision	LEES SUMMIT 1ST ADD
Legal Lot Number	72
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	3
Census Block	3035
Census Tract	71001

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2665 ST ELMOS FIRE DR, HERNANDO, MS 38632-5021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage CARTUS HOME LOANS LLC
Jun 1, 2017	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO
May 12, 2022	Warranty Deed, Transfer · VA Mortgage NEW DAY FINANCIAL LLC
Oct 1, 2020	Warranty Deed, Transfer · VA Mortgage VAN DYK MORTGAGE CORP
Jan 3, 2017	Warranty Deed, Transfer FIRST NATIONAL FINANCIAL TITLE, FIRST NATIONAL FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2024
Deed Sale	May 24, 2024
Prior Sale	May 12, 2022
Deed Document Number	0010249312
Deed Book / Page	1024 / 9312
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2665 ST ELMOS FIRE DR, HERNANDO, MS 38632-5021
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004284/764
Date	Jan 3, 2017
Book Page	4284/764

Lender

Name	CARTUS HOME LOANS LLC
Type	Lending Institution
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2665 ST ELMOS FIRE DR, HERNANDO, MS 38632-5021
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170601010132910
Date	Jun 1, 2017
Instrument	20170601010132910

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 2, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 12, 2022
Property Address	2665 ST ELMOS FIRE DR, HERNANDO, MS 38632-5021
Document Number	000997/169
Book / Page	997 / 169
Map Reference	MB 99 PG 37
Instrument Date	May 12, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	SLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3365 MILLS BAYOU DR, 3365, MILTON, FL 32583-8431

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2665 ST ELMOS FIRE DR, HERNANDO, MS 38632-5021

Mortgage

Document Number	0005527694
Date	May 12, 2022
Instrument	5527/694

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 1, 2020
Property Address	2665 ST ELMOS FIRE DR, HERNANDO, MS 38632-5021
Document Number	0000934/86
Book / Page	934 / 86
Map Reference	MB 99 PG 37
Instrument Date	Sep 24, 2020
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	SLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 PINE RIDGE DR, 110, WALLACE, NC 28466-2356

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2665 ST ELMOS FIRE DR, HERNANDO, MS 38632-5021

Mortgage

Document Number	0005056235
Date	Oct 1, 2020
Instrument	5056/235

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 3, 2017
Property Address	2665 ST ELMOS FIRE DR, HERNANDO, MS 38632-5021
Document Number	000812/108
Book / Page	0812 / 108
Map Reference	PL MB 99 PG 37
Instrument Date	Dec 28, 2016
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	FIRST NATIONAL FINANCIAL TITLE, FIRST NATIONAL FINANCIAL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2815 AUSTIN RD, 2815, TUNICA, MS 38676-9720

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2665 ST ELMOS FIRE DR, HERNANDO, MS 38632-5021

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Municipality	Hernando City
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,696.00 (+20.59%)	$31,727 (+43.61%) Land $2,500 Building $29,227	$317,266 (+43.6%) Land $25,000 Building $292,266
2023		$22,093	$220,930 Land $25,000 Building $195,930
2022	$3,065.00

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 45% 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.

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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
C Spire Wireless Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

2665 St Elmos Fire Dr, Hernando, MS 38632 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on St Elmos Fire Dr

Nearby Streets

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