3620 Councils Ford Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 3620 Councils Ford Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	967 sqft · built 1965
Lot Size	0.283 acres (12,333 sqft)
Owner	Individual Name on Record
Last Sale	$178,220 (Mar 2026)
Tax Bill	$470 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-09-4-19-05-0-00313-00`

Property Details

APN / Parcel Number

Primary APN	`3-09-4-19-05-0-00313-00`

Interior

Building Area	967 sqft Adjusted Area
1st Floor Area	740 sqft
Interior Walls	Plywood

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asbestos
Lot Area	12,333 sqft (0.283 acres)
Lot Dimensions	170 ft deep x 33 ft wide
Deck Area	785 sqft
Patio Area	785 sqft
Utility Building	360 sqft

Location & Zoning

Street Address	3620 COUNCILS FORD CV
City	HERNANDO
State	MS
Zip	38632-4213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	LAKE O THE HILLS SD SEC B LOT 313
Legal Range	009
Legal Township	03S
Legal Section	19
Legal Subdivision	LAKE O THE HILLS SD
Legal Lot Number	313
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2021
Census Tract	71200

Owner

Source: DeSoto County records, as of April 17, 2026

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	3620 COUNCILS FORD CV, HERNANDO, MS 38632-4213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 31, 2026	Warranty Deed, Transfer ZADA GATES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Deed Document Number	2026
Deed Book / Page	1026 / 5326
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3620 COUNCILS FORD CV, HERNANDO, MS 38632-4213
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3620 COUNCILS FORD CV, HERNANDO, MS 38632-4213

Mortgage

Document Number	005125/516
Date	Jan 5, 2021
Book Page	5125/516

Lender

Name	TRUIST BANK
Type	Bank
Address	NASHVILLE, TN 37230

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 22, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3620 COUNCILS FORD CV, HERNANDO, MS 38632-4213
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3620 COUNCILS FORD CV, HERNANDO, MS 38632-4213

Mortgage

Document Number	5661/38883
Date	Apr 30, 2024
Book Page	5661/38883

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 31, 2026
Property Address	3620 COUNCILS FORD CV, HERNANDO, MS 38632-4213
Document Number	01026/5326
Book / Page	1026 / 5326
Map Reference	MB 2 PG 35&36
Instrument Date	Mar 27, 2026
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	873 MARTIN CIR N, HERNANDO, MS 38632-8959

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3620 COUNCILS FORD CV, HERNANDO, MS 38632-4213

Mortgage

Document Number	0566333806
Date	Mar 31, 2026
Instrument	5663/33806

Lender

Name	ZADA GATES
Type	Private Party

Agreement

Amount	Amount Recorded
Term	14 Months
Due	May 1, 2027

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 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	$470.00	$4,664 (-) Land $1,000 Building $3,664	$46,641 (-) Land $10,000 Building $36,641
2023		$4,664	$46,641 Land $10,000 Building $36,641
2022	$470.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

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	Low lower than 62% of the US · lower than 79% of Mississippi
Wildfire Likelihood	0.06% 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	EUDORA UTILITIES ASSOCIATION public/private · serves 3,749 people · EPA ID MS0170006
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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