3079 Lake Grove Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 3079 Lake Grove Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,043 sqft · built 1992
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Last Sale	$335,357 (May 2026)
Tax Bill	$1,585 (2025)
Deeds & Mortgages	May 2022 Line of Credit Dec 2016 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-23-01-0-00004-01`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-23-01-0-00004-01`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,043 sqft Adjusted Area
1st Floor Area	1,052 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)
Utility Building	192 sqft

Location & Zoning

Street Address	3079 LAKE GROVE DR
City	HERNANDO
State	MS
Zip	38632-7949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	OAK MANOR SD SEC A LOT 4B
Legal Range	008
Legal Township	03S
Legal Section	23
Legal Subdivision	OAK MANOR SD
Legal Lot Number	4B
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2011
Census Tract	71123

Owner

Source: DeSoto County records, as of June 2, 2026

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
Mailing Address	3079 LAKE GROVE DR, HERNANDO, MS 38632-7949
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Dec 21, 2016	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 19, 2026	Deed of Trust, Mortgage · VA Mortgage ASSURANCE FINANCIAL GROUP LLC
May 19, 2026	Warranty Deed, Transfer · VA Mortgage ASSURANCE FINANCIAL GROUP LLC
Jul 8, 2022	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Jul 8, 2022 · Amount on Record
Deed Book / Page	1026 / 8582
Prior Transfer Date	Dec 15, 2016
Prior Transfer Doc	000811/686
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3079 LAKE GROVE DR, HERNANDO, MS 38632-7949
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3079 LAKE GROVE DR, HERNANDO, MS 38632-7949

Mortgage

Document Number	005539/607
Date	May 31, 2022
Book Page	5539/607

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 13, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3079 LAKE GROVE DR, HERNANDO, MS 38632-7949
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004279/575
Date	Dec 21, 2016
Book Page	4279/575

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2037

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Recording Date	May 19, 2026
Property Address	3079 LAKE GROVE DR, HERNANDO, MS 38632-7949
Document Number	5663054531
Book / Page	5663 / 54531
Instrument Date	May 15, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	GUARDIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6266 BANYAN DR, HORN LAKE, MS 38637-7399

Mortgage

Document Number	5663054531,
Date	May 19, 2026
Book Page	5663/54531

Lender

Name	ASSURANCE FINANCIAL GROUP LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 19, 2026
Property Address	3079 LAKE GROVE DR, HERNANDO, MS 38632-7949
Document Number	1026008582
Book / Page	1026 / 8582
Instrument Date	May 14, 2026
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	GUARDIAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3079 LAKE GROVE DR, HERNANDO, MS 38632-7949

Mortgage

Document Number	5663054531,
Date	May 19, 2026
Book Page	5663/54531

Lender

Name	ASSURANCE FINANCIAL GROUP LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 8, 2022
Property Address	3079 LAKE GROVE DR, HERNANDO, MS 38632-7949
Document Number	001003/217
Book / Page	1003 / 217
Map Reference	MB 26 PG 10
Instrument Date	Jun 29, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 S SUGARCREEK RD, 209, FRONTENAC, KS 66763-8114

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3079 LAKE GROVE DR, HERNANDO, MS 38632-7949

Mortgage

Document Number	0005564347
Date	Jul 8, 2022
Instrument	5564/347

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 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	$1,585.00 (+21.08%)	$16,164 (+39.53%) Land $1,500 Building $14,664	$161,638 (+39.53%) Land $15,000 Building $146,638
2023	$1,309.00	$11,585	$115,848 Land $15,000 Building $100,848

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	6 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-JAYBIRD private · serves 6,750 people · EPA ID MS0170002
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 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	5 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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