3203 Summer Ave, Hernando, MS 38632 Property Records

DeSoto County property record for 3203 Summer Ave, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,312 sqft · built 2022
Owner	Individual Name on Record
Tax Bill	$4,177 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-21-05-0-00136-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-21-05-0-00136-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,312 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Pool Area	200 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	3203 SUMMER AVE
City	HERNANDO
State	MS
Zip	38632-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	JEFFERSON ESTATE PUD SEC C LOT 136
Legal Subdivision	JEFFERSON ESTATE
Legal Lot Number	136
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2022
Census Tract	71002

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
Mailing Address	3203 SUMMER AVE, HERNANDO, MS 38632-1008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Warranty Deed, Transfer · FHA Mortgage GUARANTY BANK & TRUST CO
Jul 28, 2021	Warranty Deed, Construction Loan · Construction Mortgage COMMUNITY BANK OF MISSISSIPPI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2022
Deed Sale	Mar 16, 2022
Prior Sale	Jul 28, 2021
Deed Document Number	0000099145
Deed Book / Page	991 / 45
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 16, 2022
Property Address	3203 SUMMER AVE, HERNANDO, MS 38632-1008
Document Number	0000991/45
Book / Page	991 / 45
Map Reference	MB 133 PG 8
Instrument Date	Mar 15, 2022
Transaction Type	Transfer
Record Updated	Apr 18, 2022
Title Company	SLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC

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	3203 SUMMER AVE, HERNANDO, MS 38632-1008

Mortgage

Document Number	0005488403
Date	Mar 16, 2022
Instrument	5488/403

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

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

July 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 28, 2021
Property Address	3203 SUMMER AVE, HERNANDO, MS 38632-1008
Document Number	000965/748
Book / Page	965 / 748
Map Reference	MB 133 PG 8
Instrument Date	Jul 26, 2021
Transaction Type	Construction Loan
Record Updated	Mar 7, 2023
Title Company	SLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5863 SCOTT BLVD, HORN LAKE, MS 38637-3350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5863 SCOTT BLVD, HORN LAKE, MS 38637-3350
Investor	Possibly a Property Investor

Mortgage

Document Number	0000530360
Date	Jul 28, 2021
Instrument	5303/60

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 20, 2022

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 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	$4,177.00 (+8.72%)	$38,436 (+38.77%) Land $4,200 Building $34,236	$384,360 (+38.78%) Land $42,000 Building $342,360
2023	$3,842.00	$27,697	$276,965 Land $42,000 Building $234,965

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	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 46% of the US · above 44% of Mississippi
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 199 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	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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