DeSoto County property record for 342 W Valley St, Hernando, MS 38632
| Property Type | Commercial Office |
|---|---|
| Details | 3,026 sqft · built 1971 |
| Lot Size | 0.207 acres (9,035 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,293 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Jan 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-6-13-00-1-00068-00 |
| Primary APN | 3-08-6-13-00-1-00068-00 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 3,026 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1971 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Mixed |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 9,035 sqft (0.207 acres) |
| Lot Dimensions | 127 ft deep x 131 ft wide |
| Street Address | 342 W VALLEY ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-1744 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Local Zoning Code | C-2 |
| Legal Description | PT LTS 295,296;PT ABANDONED ST HERNANDO INC |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | NW |
| Legal Subdivision | HERNANDO INC |
| Legal Lot Number | 295-296 296 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 71122 |
Source: DeSoto County records · APN 3-08-6-13-00-1-00068-00
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 | Company Name on File |
|---|---|
| Mailing Address | 5289 CANE RIDGE RD, HERNANDO, MS 38632-9729 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Mar 02, 2017 | Deed of Trust, Mortgage · Commercial Mortgage SOUTHERN BANCORP BANK |
| Jan 30, 2020 | Deed of Trust, Mortgage · Line of Credit SOUTHERN BANCORP BANK |
| Nov 23, 2020 | Deed of Trust, Mortgage FIRST SECURITY BANK |
| Jan 21, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK |
| Apr 20, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 16, 2007 |
| Deed Sale | Nov 16, 2007 |
| Deed Document Number | 0000572787 |
| Deed Book / Page | 0572 / 787 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 342 W VALLEY ST, HERNANDO, MS 38632-1744 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 004311/413 |
|---|---|
| Date | Mar 02, 2017 |
| Book Page | 4311/413 |
| Name | SOUTHERN BANCORP BANK |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Feb 24, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 342 W VALLEY ST, HERNANDO, MS 38632-1744 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 004877/345 |
|---|---|
| Date | Jan 30, 2020 |
| Book Page | 4877/345 |
| Name | SOUTHERN BANCORP BANK |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Dec 16, 2020 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 342 W VALLEY ST, HERNANDO, MS 38632-1744 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5289 CANE RIDGE RD, HERNANDO, MS 38632-9729 |
| Document Number | 005095/494 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 5095/494 |
| Name | FIRST SECURITY BANK |
|---|---|
| Type | Bank |
| Address | BATESVILLE, MS 38606 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Nov 13, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 342 W VALLEY ST, HERNANDO, MS 38632-1744 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5289 CANE RIDGE RD, HERNANDO, MS 38632-9729 |
| Document Number | 005141/534 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 5141/534 |
| Name | FIRST SECURITY BANK |
|---|---|
| Type | Bank |
| Address | BATESVILLE, MS 38606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 12, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 342 W VALLEY ST, HERNANDO, MS 38632-1744 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5289 CANE RIDGE RD, HERNANDO, MS 38632-9729 |
| Document Number | 005512/300 |
|---|---|
| Date | Apr 20, 2022 |
| Book Page | 5512/300 |
| Name | FIRST SECURITY BANK |
|---|---|
| Type | Bank |
| Address | BATESVILLE, MS 38606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Mar 04, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
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 | $4,293.00 (+15.65%) | $36,852 (+37.71%) Land $4,005 Building $32,847 | $245,678 (+37.71%) Land $26,700 Building $218,978 |
| 2023 | $3,712.00 | $26,760 | $178,401 Land $26,700 Building $151,701 |
Source: FEMA National Flood Hazard Layer as of June 5, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| 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.
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.
Source: FCC Broadband Data Collection 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 |
Based on FCC filings for 232 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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 |
| 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.
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