3164 Winterwood Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 3164 Winterwood Dr, Hernando, MS 38632

Property Summary

Property Type	Vacant Land
Owner	2 Individual Names on Record
Last Sale	$504,097 (Aug 2025)
Tax Bill	$550 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-21-09-0-00184-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-21-09-0-00184-00`

Interior

Interior Walls	Wallboard/Drywall

Exterior

Roof Type	Gable

Location & Zoning

Street Address	3164 WINTERWOOD DR
City	HERNANDO
State	MS
Zip	38632-1048
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	PUD
Legal Description	JEFFERSON ESTATE PUD SEC E LOT 184
Legal Range	007
Legal Township	03S
Legal Section	21
Legal Subdivision	JEFFERSON ESTATE
Legal Lot Number	184
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2017
Census Tract	71002

Owner

Source: DeSoto County records, as of July 21, 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 Record
Mailing Address	3164 WINTERWOOD DR, HERNANDO, MS 38632-1048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage FNB OXFORD BANK
Aug 5, 2024	Deed of Trust, Mortgage · Line of Credit THE BANK OF FAYETTE COUNTY
Aug 27, 2025	Warranty Deed, Subdivision Related Transfer · Line of Credit FNB OXFORD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2025 · Amount on Record
Deed Sale	Aug 27, 2025 · Amount on Record
Prior Sale	Aug 5, 2024 · Amount on Record
Deed Book / Page	1025 / 16345
Prior Transfer Date	Apr 14, 2025
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3164 WINTERWOOD DR, HERNANDO, MS 38632-1048
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3164 WINTERWOOD DR, HERNANDO, MS 38632-1048

Mortgage

Document Number	5662/117100
Date	Nov 10, 2025
Book Page	5662/117100

Lender

Name	FNB OXFORD BANK
Type	Bank
Address	OXFORD, MS 38655

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Dec 1, 2032

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3164 WINTERWOOD DR, HERNANDO, MS 38632-1048
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5661/74233
Date	Aug 5, 2024
Book Page	5661/74233

Lender

Name	THE BANK OF FAYETTE COUNTY
Type	Bank
Address	OAKLAND, TN 38060

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 5, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 27, 2025
Property Address	3164 WINTERWOOD DR, HERNANDO, MS 38632-1048
Document Number	1025/16345
Book / Page	1025 / 16345
Map Reference	MB 148 PG 47
Instrument Date	Aug 22, 2025
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 15, 2025
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1924 GILLESS PT S, SOUTHAVEN, MS 38671-6995

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3164 WINTERWOOD DR, HERNANDO, MS 38632-1048

Mortgage

Document Number	0566287331
Date	Aug 27, 2025
Instrument	5662/87331

Lender

Name	FNB OXFORD BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2026

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	$550.00	$4,725 Land $4,725	$31,500 Land $31,500

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	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

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	0.1% 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 serves 14,457 people · EPA ID MS0170009
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 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 · DSL in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: Verizon.

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