3465 Melanie Ln, Hernando, MS 38632 Property Records

DeSoto County property record for 3465 Melanie Ln, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,465 sqft · built 2004
Lot Size	1.5 acres (65,390 sqft)
Owner	Individual Name on Record
Tax Bill	$1,467 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Apr 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-6-23-04-0-00010-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-6-23-04-0-00010-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,465 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,390 sqft (1.5 acres)

Location & Zoning

Street Address	3465 MELANIE LN
City	HERNANDO
State	MS
Zip	38632-8637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	SCRUGGS CREEK SUB SECTION B LOT 10
Legal Range	07
Legal Township	03
Legal Section	23
Legal Subdivision	SCRUGGS CREEK SUB
Legal Lot Number	10
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
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
Co-owner	Co-owner on Record
Mailing Address	3465 MELANIE LN, HERNANDO, MS 38632-8637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK
Apr 11, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST SECURITY BANK
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2014
Deed Sale	Aug 15, 2014
Deed Document Number	0000742148
Deed Book / Page	0742 / 148
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3465 MELANIE LN, HERNANDO, MS 38632-8637
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004855/774
Date	Dec 18, 2019
Book Page	4855/774

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3465 MELANIE LN, HERNANDO, MS 38632-8637
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004706/332
Date	Apr 11, 2019
Book Page	4706/332

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Oct 5, 2019

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3465 MELANIE LN, HERNANDO, MS 38632-8637
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3465 MELANIE LN, HERNANDO, MS 38632-8637

Mortgage

Document Number	005349/437
Date	Sep 20, 2021
Book Page	5349/437

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank
Address	LITTLE ROCK, AR 72211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,467.00 (+15.51%)	$21,432 (+36.4%) Land $3,000 Building $18,432	$214,317 (+36.39%) Land $30,000 Building $184,317
2023	$1,270.00	$15,713	$157,133 Land $30,000 Building $127,133

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 43% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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