3686 Shelby Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 3686 Shelby Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,062 sqft · built 1999
Lot Size	0.224 acres (9,751 sqft)
Owner	2 Individual Names on File
Last Sale	$388,923 (Nov 2024)
Tax Bill	$1,842 (2025)
Deeds & Mortgages	Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-4-20-07-0-00013-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-4-20-07-0-00013-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,062 sqft Adjusted Area
1st Floor Area	1,722 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,751 sqft (0.224 acres)
Lot Dimensions	140 ft deep x 51 ft wide

Location & Zoning

Street Address	3686 SHELBY CV
City	HERNANDO
State	MS
Zip	38632-7795
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-30 OVERL
Legal Description	EDGEWOOD ESTATES PUD 1ST ADD LOT 13
Legal Range	007
Legal Township	03S
Legal Section	20
Legal Subdivision	EDGEWOOD ESTATES PUD 1ST ADD
Legal Lot Number	13
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2029
Census Tract	71002

Owner

Source: DeSoto County records · APN 3-07-4-20-07-0-00013-00

Assessment roll updated December 15, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3686 SHELBY CV, HERNANDO, MS 38632-7795
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 22, 2024 · Amount on Record
Deed Sale	Nov 22, 2024 · Amount on Record
Prior Sale	May 31, 2012
Deed Book / Page	1024 / 21389
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3686 SHELBY CV, HERNANDO, MS 38632-7795
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004508/231
Date	Mar 19, 2018
Book Page	4508/231
Instrument	T04508-00231

Lender

Name	ORION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified August 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,842.00 (+149.26%)	$18,388 (+43.35%) Land $3,000 Building $15,388	$183,877 (+43.35%) Land $30,000 Building $153,877
2023	$739.00	$12,827	$128,269 Land $30,000 Building $98,269

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280330710022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 59% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 66 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	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 via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	CITY OF HERNANDO serves 14,457 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.