3098 Fogg Rd S, Hernando, MS 38632 Property Records

DeSoto County property record for 3098 Fogg Rd S, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,656 sqft · built 2020
Lot Size	2.56 acres (111,949 sqft)
Owner	Individual Name on Record
Tax Bill	$3,605 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-4-20-00-0-00005-09`

Property Details

APN / Parcel Number

Primary APN	`3-08-4-20-00-0-00005-09`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,656 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	111,949 sqft (2.56 acres)
Pool Area	512 sqft
Patio Area	448 sqft

Location & Zoning

Street Address	3098 FOGG RD S
City	HERNANDO
State	MS
Zip	38632-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	PT NW1/4 ROWSEY CROSSING MINOR LOT 9
Legal Range	08
Legal Township	03
Legal Section	20
Legal Subdivision	ROWSEY XING MINOR LOT SUB
Legal Lot Number	9
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71123

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	3098 FOGG RD S, HERNANDO, MS 38632-9760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMERCIAL BANK
Apr 10, 2024	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Jan 24, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 22, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTY BANK & TRUST CO
Dec 18, 2019	Warranty Deed, Construction Loan · Construction Mortgage FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2023
Deed Sale	Jan 24, 2023
Prior Sale	Jun 22, 2022
Deed Document Number	0001023541
Deed Book / Page	1023 / 541
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3098 FOGG RD S, HERNANDO, MS 38632-9760
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3914 SADDLE BND, OLIVE BRANCH, MS 38654-7390

Mortgage

Document Number	05662/1513
Date	Oct 3, 2025
Book Page	5662/1513

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank
Address	JACKSON, MS 39211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3098 FOGG RD S, HERNANDO, MS 38632-9760
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3098 FOGG RD S, HERNANDO, MS 38632-9760

Mortgage

Document Number	5661/31803
Date	Apr 10, 2024
Book Page	5661/31803

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3098 FOGG RD S, HERNANDO, MS 38632-9760
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004997/108
Date	Jul 22, 2020
Book Page	4997/108

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 24, 2023
Property Address	3098 FOGG RD S, HERNANDO, MS 38632-9760
Document Number	001023/541
Book / Page	1023 / 541
Instrument Date	Nov 21, 2022
Transaction Type	Transfer
Record Updated	Feb 9, 2023
Title Company	EXECUTIVE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 713, OLIVE BRANCH, MS 38654-0713

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3098 FOGG RD S, HERNANDO, MS 38632-9760

Mortgage

Document Number	0056601377
Date	Jan 24, 2023
Instrument	5660/1377

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 22, 2022
Property Address	3098 FOGG RD S, HERNANDO, MS 38632-9760
Document Number	001001/390
Book / Page	1001 / 390
Instrument Date	Jun 15, 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	354 E OAK GROVE RD, 354, HERNANDO, MS 38632-2356

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3098 FOGG RD S, HERNANDO, MS 38632-9760

Mortgage

Document Number	0005554364
Date	Jun 22, 2022
Instrument	5554/364

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

December 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 18, 2019
Property Address	3098 FOGG RD S, HERNANDO, MS 38632-9760
Document Number	000907/434
Book / Page	0907 / 434
Instrument Date	Dec 13, 2019
Transaction Type	Construction Loan
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 867, NEW ALBANY, MS 38652-0867

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 363, NESBIT, MS 38651-0363

Mortgage

Document Number	0004856295
Date	Dec 18, 2019
Instrument	4856/295

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Sep 13, 2020

Tax Assessment & Valuation

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	$3,605.00 (+18.7%)	$47,307 (+41.85%) Land $4,000 Building $43,307	$473,067 (+41.85%) Land $40,000 Building $433,067
2023	$3,037.00	$33,350	$333,503 Land $40,000 Building $293,503

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

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 48% of the US · above 50% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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