3186 Sarah Ln, Hernando, MS 38632 Property Records

DeSoto County property record for 3186 Sarah Ln, Hernando, MS 38632 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,302 sqft · built 2021
Lot Size	0.268 acres (11,700 sqft)
Owner	Individual Name on File
Tax Bill	$4,314 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-21-05-0-00124-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-21-05-0-00124-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,302 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,700 sqft (0.268 acres)
Pool Area	392 sqft
Patio Area	400 sqft

Location & Zoning

Street Address	3186 SARAH LN
City	HERNANDO
State	MS
Zip	38632-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JEFFERSON ESTATE PUD SEC C LOT 124
Legal Subdivision	JEFFERSON ESTATE
Legal Lot Number	124
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2017
Census Tract	71002

Owner

Source: DeSoto County records · APN 3-07-5-21-05-0-00124-00

Assessment roll updated September 1, 2025 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	3186 SARAH LN, HERNANDO, MS 38632-1004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 01, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK
Aug 25, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 26, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Dec 01, 2020	Warranty Deed, Construction Loan · Construction Mortgage FIRST COMMERCIAL BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 25, 2025
Deed Sale	Aug 25, 2025
Prior Sale	Apr 26, 2021
Deed Document Number	0102516153
Deed Book / Page	1025 / 16153
Record Updated	Jun 08, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3186 SARAH LN, HERNANDO, MS 38632-1004
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5360 CYPRESS CIR, NASHPORT, OH 43830-9074

Mortgage

Document Number	005281/311
Date	Jul 01, 2021
Book Page	5281/311

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 25, 2025
Property Address	3186 SARAH LN, HERNANDO, MS 38632-1004
Document Number	1025/16153
Book / Page	1025 / 16153
Map Reference	MB 133 PG 8
Instrument Date	Aug 20, 2025
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	MAGNOLIA TITLE LCC, MAGNOLIA TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	R9 OCEAN WALK LANE #51105110, 51105110, SANTA ROSA BEACH, FL 32459

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3186 SARAH LN, HERNANDO, MS 38632-1004

Mortgage

Document Number	0566286205
Date	Aug 25, 2025
Instrument	5662/86205

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 26, 2021
Property Address	3186 SARAH LN, HERNANDO, MS 38632-1004
Document Number	000955/435
Book / Page	955 / 435
Map Reference	MB 133 PG 8
Instrument Date	Apr 15, 2021
Transaction Type	Subdivision Related 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	3711 WILKERSON DR, 3711, SOUTHAVEN, MS 38672-1017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3186 SARAH LN, HERNANDO, MS 38632-1004

Mortgage

Document Number	0005221238
Date	Apr 26, 2021
Instrument	5221/238

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

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

December 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 01, 2020
Property Address	3186 SARAH LN, HERNANDO, MS 38632-1004
Document Number	000940/498
Book / Page	940 / 498
Map Reference	MB 133 PG 8
Instrument Date	Nov 25, 2020
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	5863 SCOTT BLVD, 5863, HORN LAKE, MS 38637-3350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3856 DAFFODIL DR, SOUTHAVEN, MS 38672-9136

Mortgage

Document Number	0005101513
Date	Dec 01, 2020
Instrument	5101/513

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Nov 25, 2021

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,314.00 (+19.3%)	$39,610 (+40.32%) Land $4,200 Building $35,410	$396,097 (+40.32%) Land $42,000 Building $354,097
2024	$3,616.00	$28,228 (-) Land $4,200 Building $24,028	$282,280 (-) Land $42,000 Building $240,280
2023	$3,616.00	$28,228	$282,280 Land $42,000 Building $240,280

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280330710022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 63% of Mississippi
Wildfire Likelihood	About 1 in 746 per year
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 199 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Telapex	Fiber	8,000 / 8,000
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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