324 W Valley St, Hernando, MS 38632 Property Records

DeSoto County property record for 324 W Valley St, Hernando, MS 38632

Property Summary

Property Type	Commercial Office
Details	8,544 sqft
Lot Size	0.364 acres (15,864 sqft)
Owner	Company Name on File
Tax Bill	$7,197 (2025)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-13-00-1-00067-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-13-00-1-00067-00`

Interior

Stories	2 Stories
Building Area	8,544 sqft Adjusted Area
Interior Walls	Plywood

Exterior

Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Shingle
Lot Area	15,864 sqft (0.364 acres)
Lot Dimensions	127 ft deep x 131 ft wide

Location & Zoning

Street Address	324 W VALLEY ST
City	HERNANDO
State	MS
Zip	38632-1753
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	C-2
Legal Description	13-3-8 PT. LOT 297 HERNANDO INC
Legal Range	08
Legal Township	03
Legal Section	13
Legal Quarter	NW
Legal Subdivision	HERNANDO INC
Legal Lot Number	297
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1063
Census Tract	71122

Owner

Source: DeSoto County assessment roll, APN 3-08-6-13-00-1-00067-00, as of 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	Company Name on File
Mailing Address	324 W VALLEY ST, HERNANDO, MS 38632-1753
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 07, 2016
Deed Sale	Jul 07, 2016
Deed Document Number	0000796627
Deed Book / Page	0796 / 627
Record Updated	Jun 08, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	324 W VALLEY ST, HERNANDO, MS 38632-1753
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004762/043
Date	Jul 15, 2019
Book Page	4762/043

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 10, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: DeSoto County assessment roll as of 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	$7,197.00 (+14.95%)	$61,779 (+36.88%) Land $7,515 Building $54,264	$411,863 (+36.88%) Land $50,100 Building $361,763
2023	$6,261.00	$45,134	$300,895 Land $50,100 Building $250,795

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), as of June 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280330711221, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 84% of Mississippi
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the North Elm Historic District listed 2012 · 51 contributing resources · NRIS 12000153

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, 232 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Telapex Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MS0170002, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF HERNANDO-JAYBIRD private · serves 6,750 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.