DeSoto County property record for 2688 St Elmos Fire Dr, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3,265 sqft · built 2012 |
| Lot Size | 0.458 acres (19,971 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,949 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit Apr 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-07-4-17-20-0-00073-00 |
| Primary APN | 3-07-4-17-20-0-00073-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 3,265 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2012 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 19,971 sqft (0.458 acres) |
| Lot Dimensions | 150 ft deep x 110 ft wide |
| Pool Area | 512 sqft |
| Patio Area | 448 sqft |
| Street Address | 2688 ST ELMOS FIRE DR |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-5023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LEES SUMMIT 1ST ADD LOT 73 |
| Legal Range | 07 |
| Legal Township | 03 |
| Legal Section | 17 |
| Legal Subdivision | LEES SUMMIT 1ST ADD |
| Legal Lot Number | 73 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 71001 |
2688 St Elmos Fire Dr is owned and occupied by an individual who acquired it in April 2019.
Source: DeSoto County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2688 ST ELMOS FIRE DR, HERNANDO, MS 38632-5023 |
| 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.
| Date | Document |
|---|---|
| Sep 27, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST TENNESSEE BANK NA |
| Apr 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MISSISSIPPI LAND BANK |
| Sep 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE FIRST NATIONAL BANK OF TOM BEAN |
| Apr 15, 2019 | Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK |
| Apr 9, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2019 |
| Deed Sale | Apr 15, 2019 |
| Prior Sale | Apr 9, 2018 |
| Deed Document Number | 0000885438 |
| Deed Book / Page | 0885 / 438 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2688 ST ELMOS FIRE DR, HERNANDO, MS 38632-5023 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 004612/524 |
|---|---|
| Date | Sep 27, 2018 |
| Book Page | 4612/524 |
| Name | FIRST TENNESSEE BANK NA |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38118 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 12, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2688 ST ELMOS FIRE DR, HERNANDO, MS 38632-5023 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004520/595 |
|---|---|
| Date | Apr 9, 2018 |
| Book Page | 4520/595 |
| Instrument | T04520-00595 |
| Name | MISSISSIPPI LAND BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2688 ST ELMOS FIRE DR, HERNANDO, MS 38632-5023 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | GUARDIAN TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 2688 ST ELMOS FIRE DR, HERNANDO, MS 38632-5023 |
| Document Number | 005039/790 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 5039/790 |
| Name | THE FIRST NATIONAL BANK OF TOM BEAN |
|---|---|
| Type | Bank |
| Address | TOM BEAN, TX 75489 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Apr 15, 2019 |
| Property Address | 2688 ST ELMOS FIRE DR, HERNANDO, MS 38632-5023 |
| Document Number | 000885/438 |
| Book / Page | 0885 / 438 |
| Map Reference | MB 99 PG 37 |
| Instrument Date | Apr 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4344 SKYLINE DR, 4344, HERNANDO, MS 38632-6739 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2688 ST ELMOS FIRE DR, HERNANDO, MS 38632-5023 |
| Document Number | 0004709364 |
|---|---|
| Date | Apr 15, 2019 |
| Instrument | 4709/364 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Apr 9, 2018 |
| Property Address | 2688 ST ELMOS FIRE DR, HERNANDO, MS 38632-5023 |
| Document Number | 000853/036 |
| Book / Page | 0853 / 036 |
| Instrument Date | Mar 28, 2018 |
| Instrument | W00853-00036 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11500 GRANDBERRY HWY, 11500, WEATHERFORD, TX 76087 |
| Name | Verified Name |
|---|---|
| Address | 2688 ST ELMOS FIRE DR, HERNANDO, MS 38632-5023 |
The 2025 property tax bill for 2688 St Elmos Fire Dr was $3,949.
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 | $3,949.00 | $36,473 Land $2,500 Building $33,973 | $364,733 Land $25,000 Building $339,733 |
| 2023 | $3,294.00 | $25,910 | $259,099 Land $25,000 Building $234,099 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2688 St Elmos Fire 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 2688 St Elmos Fire Dr is moderate, ranking above 47% 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 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.
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 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 |
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