2904 Oak Crossing Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 2904 Oak Crossing Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,348 sqft · built 2003
Lot Size	2.25 acres (98,010 sqft)
Owner	2 Individual Names on File
Last Sale	$385,600 (Apr 2021)
Tax Bill	$2,313 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-5-15-02-0-00032-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-5-15-02-0-00032-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,348 sqft Adjusted Area
1st Floor Area	1,906 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Hip
Roof Material	Shingle
Lot Area	98,010 sqft (2.25 acres)
Patio Area	324 sqft

Location & Zoning

Street Address	2904 OAK CROSSING DR
City	HERNANDO
State	MS
Zip	38632-8562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	OAK GROVE MANOR S/D PH 1 LOT 32
Legal Range	008
Legal Township	03S
Legal Section	15
Legal Subdivision	OAK GROVE MANOR S/D PH 1
Legal Phase	1
Legal Lot Number	32
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2008
Census Tract	71123

Owner

Source: DeSoto County records · APN 3-08-5-15-02-0-00032-00

Assessment roll updated December 15, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2904 OAK CROSSING DR, HERNANDO, MS 38632-8562
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Apr 23, 2021	Warranty Deed, Transfer EDCO TITLE AND CLOSING SERVICES, EDCO TTL & CLOSING SVCS INC
Jan 30, 2020	Intrafamily Transfer, Transfer
Oct 19, 2018	Warranty Deed, Transfer · FHA Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 23, 2021 · Amount on Record
Deed Sale	Apr 23, 2021 · Amount on Record
Prior Sale	Oct 19, 2018 · Amount on Record
Deed Book / Page	955 / 394
Prior Transfer Date	Feb 04, 2011
Prior Transfer Doc	000651/671
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	2904 OAK CROSSING DR, HERNANDO, MS 38632-8562
Transaction Type	Mortgage
Record Updated	Dec 04, 2023
Title Company	EDCO TITLE AND CLOSING SERVICES, EDCO TTL & CLOSING SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2904 OAK CROSSING DR, HERNANDO, MS 38632-8562

Mortgage

Document Number	005220/513
Date	Apr 23, 2021
Book Page	5220/513

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 23, 2021
Property Address	2904 OAK CROSSING DR, HERNANDO, MS 38632-8562
Document Number	000955/394
Book / Page	955 / 394
Map Reference	MB 76 PG 21
Instrument Date	Apr 21, 2021
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	EDCO TITLE AND CLOSING SERVICES, EDCO TTL & CLOSING SVCS INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	751 NORTHWOOD WEST CV, 751, HERNANDO, MS 38632-1562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2904 OAK CROSSING DR, HERNANDO, MS 38632-8562

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Jan 30, 2020
Property Address	2904 OAK CROSSING DR, HERNANDO, MS 38632-8562
Document Number	000910/553
Book / Page	0910 / 553
Map Reference	MB 76 PG 21
Instrument Date	Jan 17, 2020
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2323 MCINGVALE RD # 905905, 2323, HERNANDO, MS 38632-8700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2904 OAK CROSSING DR, HERNANDO, MS 38632-8562

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 19, 2018
Property Address	2904 OAK CROSSING DR, HERNANDO, MS 38632-8562
Document Number	000870/682
Book / Page	0870 / 682
Map Reference	MB 76 PG 21
Instrument Date	Oct 09, 2018
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9870 DOUBLE R BLVD UNIT 227, 9870, RENO, NV 89521-3191

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2904 OAK CROSSING DR, HERNANDO, MS 38632-8562

Mortgage

Document Number	0004623666
Date	Oct 19, 2018
Instrument	4623/666

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2048

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,313.00 (+15.77%)	$31,646 (+37.85%) Land $3,500 Building $28,146	$316,463 (+37.85%) Land $35,000 Building $281,463
2023	$1,998.00	$22,957	$229,570 Land $35,000 Building $194,570

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 5, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	6 in force

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 43% of Mississippi
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Telapex.

Based on FCC filings for 10 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Crossing Dr

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