2851 Grays Creek Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 2851 Grays Creek Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	2 bd · 2,465 sqft · built 2018
Lot Size	10 acres (436,036 sqft)
Owner	Individual Name on File
Tax Bill	$1,248 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4-07-2-04-00-0-00001-06`

Property Details

APN / Parcel Number

Primary APN	`4-07-2-04-00-0-00001-06`

Interior

Bedrooms	2 Beds
Total Rooms	7 Rooms
Building Area	2,465 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asbestos
Lot Area	436,036 sqft (10 acres)

Location & Zoning

Street Address	2851 GRAYS CREEK RD
City	HERNANDO
State	MS
Zip	38632-7391
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	PT SE 1/4 SE 1/4
Legal Range	07
Legal Township	04
Legal Section	04
Legal Lot Number	1
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2042
Census Tract	71002

Owner

2851 Grays Creek Rd is owned and occupied by an individual who acquired it in October 2017.

Source: DeSoto County records, as of December 22, 2025

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

Owner of Record	Individual Name on File
Mailing Address	2851 GRAYS CREEK RD, HERNANDO, MS 38632-7391
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2024	Deed of Trust, Mortgage · Commercial Mortgage BANKFIRST FINANCIAL SERVICES
Aug 24, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANKFIRST FINANCIAL SERVICES
Dec 7, 2018	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK OF MISSISSIPPI
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYCAMORE BANK
Oct 19, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 19, 2017
Transfer Doc	000838/249
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2851 GRAYS CREEK RD, HERNANDO, MS 38632-7391
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2851 GRAYS CREEK RD, HERNANDO, MS 38632-7391

Mortgage

Document Number	5661/15340
Date	Feb 23, 2024
Book Page	5661/15340

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank
Address	SENATOBIA, MS 38668

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 10, 2025

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2851 GRAYS CREEK RD, HERNANDO, MS 38632-7391
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2851 GRAYS CREEK RD, HERNANDO, MS 38632-7391

Mortgage

Document Number	5660/77874
Date	Aug 24, 2023
Book Page	5660/77874

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank
Address	SENATOBIA, MS 38668

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 15, 2024

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2851 GRAYS CREEK RD, HERNANDO, MS 38632-7391
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004647/643
Date	Dec 7, 2018
Book Page	4647/643

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FOREST, MS 39074

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	61 Months
Due	Jan 5, 2024

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2851 GRAYS CREEK RD, HERNANDO, MS 38632-7391
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2851 GRAYS CREEK RD, HERNANDO, MS 38632-7391

Mortgage

Document Number	005102/261
Date	Dec 2, 2020
Book Page	5102/261

Lender

Name	SYCAMORE BANK
Type	Bank
Address	SENATOBIA, MS 38668

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 1, 2045

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Oct 19, 2017
Property Address	2851 GRAYS CREEK RD, HERNANDO, MS 38632-7391
Document Number	000838/249
Book / Page	0838 / 249
Instrument Date	Oct 16, 2017
Instrument	W00838-00249
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 BRIDGE WATER DR, MADISON, MS 39110-8276

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2140 GRAYS CREEK RD, HERNANDO, MS 38632-8911

Tax Assessment & Valuation

The 2025 property tax bill for 2851 Grays Creek Rd was $1,248.

Source: DeSoto County assessment roll, as of September 1, 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	$1,248.00	$18,545 Land $3,976 Building $14,569	$184,193 Land $38,506 Building $145,687
2023	$1,115.00	$14,015	$138,894 Land $38,512 Building $100,382

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

Flood

FEMA maps place 2851 Grays Creek Rd 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 2851 Grays Creek Rd is moderate, ranking above 55% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · above 66% of Mississippi
Wildfire Likelihood	0.2% 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	BELMONT WATER ASSOCIATION public/private · serves 2,719 people · EPA ID MS0170001
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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