DeSoto County property record for 2978 Fossil Hill Dr E, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2,915 sqft · built 2021 |
| Lot Size | 0.689 acres (30,000 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,666 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-07-5-15-01-0-00070-00 |
| Primary APN | 3-07-5-15-01-0-00070-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 2,915 sqft Adjusted Area |
| 1st Floor Area | 2,078 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 30,000 sqft (0.689 acres) |
| Pool Area | 560 sqft |
| Patio Area | 472 sqft |
| Street Address | 2978 FOSSIL HILL DR E |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-6104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-30 |
| Legal Description | FIELDBROOK PHASE 2 SEC A LOT 70 |
| Legal Range | 007 |
| Legal Township | 03S |
| Legal Section | 15 |
| Legal Subdivision | FIELDBROOK PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 70 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 71002 |
Source: DeSoto County records, as of December 23, 2025
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 Record |
|---|---|
| Mailing Address | 2978 FOSSIL HILL DR E, HERNANDO, MS 38632-6104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| May 13, 2021 | Deed of Trust, Mortgage · Line of Credit SOUTHERN BANCORP BANK |
| Jan 19, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 2022 |
| Deed Sale | Jan 19, 2022 |
| Deed Book / Page | 985 / 361 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 2978 FOSSIL HILL DR E, HERNANDO, MS 38632-6104 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 173 KAPIK INDUSTRIAL RD C, C, HERNANDO, MS 38632-9589 |
| Investor | Possibly a Property Investor |
| Document Number | 005242/114 |
|---|---|
| Date | May 13, 2021 |
| Book Page | 5242/114 |
| Name | SOUTHERN BANCORP BANK |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 11, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Jan 19, 2022 |
| Property Address | 2978 FOSSIL HILL DR E, HERNANDO, MS 38632-6104 |
| Document Number | 000985/361 |
| Book / Page | 985 / 361 |
| Map Reference | MB 130 PG 4 |
| Instrument Date | Jan 14, 2022 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 4, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1990 GREEN PORT DR, HERNANDO, MS 38632-7274 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3610 FOSSIL HILL DR S, HERNANDO, MS 38632-6200 |
| Document Number | 0005447378 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | 5447/378 |
| Name | EAGLE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: DeSoto County assessment roll, as of December 15, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,666.00 (+27.01%) | $35,840 (+49.95%) Land $4,000 Building $31,840 | $358,404 (+49.95%) Land $40,000 Building $318,404 |
| 2023 | $2,099.00 | $23,902 | $239,022 Land $40,000 Building $199,022 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 60% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.09% 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 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
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