3240 Shady Lake Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 3240 Shady Lake Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,321 sqft · built 2019
Lot Size	1.81 acres (78,844 sqft)
Owner	Individual Name on File
Tax Bill	$3,318 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jun 2019 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-23-04-0-00003-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-23-04-0-00003-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,321 sqft Adjusted Area
1st Floor Area	2,604 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Shingle
Lot Area	78,844 sqft (1.81 acres)

Location & Zoning

Street Address	3240 SHADY LAKE DR
City	HERNANDO
State	MS
Zip	38632-8061
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	DEERWOOD S-D SEC A 1ST REV LOT 3
Legal Range	008
Legal Township	03S
Legal Section	23
Legal Subdivision	DEERWOOD S-D
Legal Lot Number	3
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2011
Census Tract	71123

Owner

3240 Shady Lake Dr is owned and occupied by an individual who acquired it in November 2025.

Source: DeSoto County records, as of July 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3240 SHADY LAKE DR, HERNANDO, MS 38632-8061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND
Jun 6, 2019	Deed of Trust, Mortgage · Line of Credit FIRST TENNESSEE BANK NA
Feb 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND
Apr 20, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Apr 20, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Aug 8, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 14, 2025
Transfer Doc	01026/6719
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3240 SHADY LAKE DR, HERNANDO, MS 38632-8061
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	PERFECT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004578/494
Date	Jul 25, 2018
Book Page	4578/494
Instrument	T04578-00494

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 24, 2019

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3240 SHADY LAKE DR, HERNANDO, MS 38632-8061
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004738/121
Date	Jun 6, 2019
Book Page	4738/121

Lender

Name	FIRST TENNESSEE BANK NA
Type	Bank
Address	MEMPHIS, TN 38118

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 14, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3240 SHADY LAKE DR, HERNANDO, MS 38632-8061
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	PERFECT TITLE, PERFECT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004683/280
Date	Feb 27, 2019
Book Page	4683/280

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	182 Months
Due	Apr 1, 2034

April 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 20, 2026
Property Address	3240 SHADY LAKE DR, HERNANDO, MS 38632-8061
Document Number	1026006719
Book / Page	1026 / 6719
Instrument Date	Nov 14, 2025
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1080 DOGWOOD HOLLOW DR, NESBIT, MS 38651-8339

April 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 20, 2026
Property Address	3240 SHADY LAKE DR, HERNANDO, MS 38632-8061
Document Number	01026/6719
Book / Page	1026 / 6719
Instrument Date	Nov 14, 2025
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1080 DOGWOOD HOLLOW DR, NESBIT, MS 38651-8339

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 8, 2017
Property Address	3240 SHADY LAKE DR, HERNANDO, MS 38632-8061
Document Number	20170808010227080
Map Reference	PL 89 PG 43
Instrument Date	Aug 7, 2017
Instrument	20170808010227080
Transaction Type	Transfer
Record Updated	May 1, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3500 LAKE GROVE DR, HERNANDO, MS 38632-7905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 STABLE RUN DR, CORDOVA, TN 38018-0109
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3240 Shady Lake Dr was $3,318.

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	$3,318.00	$35,960 Land $3,500 Building $32,460	$359,600 Land $35,000 Building $324,600
2023	$3,307.00	$25,980	$259,800 Land $35,000 Building $224,800

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

Flood

FEMA maps place 3240 Shady Lake Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3240 Shady Lake Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · above 57% 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-JAYBIRD private · serves 6,750 people · EPA ID MS0170002
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 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	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Nearby Properties on Shady Lake Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures