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3895 Plum Ridge Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 3895 Plum Ridge Rd, Hernando, MS 38632 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2,724 sqft · built 1984
Lot Size1.71 acres (74,535 sqft)
Owner2 Individual Names on File
Last Sale$242,500 (Jan 2022)
Tax Bill$326 (2025)
Deeds & MortgagesApr 2026 Mortgage
Jan 2022 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN3-09-4-19-06-0-00403-00

Property Details

APN / Parcel Number

Primary APN3-09-4-19-06-0-00403-00

Interior

Bedrooms4 Beds
Total Rooms8 Rooms
Stories1 Story
Building Area2,724 sqft Adjusted Area
1st Floor Area1,525 sqft
Interior WallsPlywood

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialShingle
Lot Area74,535 sqft (1.71 acres)
Lot Dimensions298 ft deep x 225 ft wide
Garage Area720 sqft
Parking Spaces3 Parking Spaces

Location & Zoning

Street Address3895 PLUM RIDGE RD
CityHERNANDO
StateMS
Zip38632-4240
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE O THE HILLS DELTA VIEW S LOT 403
Legal Range009
Legal Township03S
Legal Section19
Legal SubdivisionLAKE O THE HILLS SEC A DELTA VIEW ADD
Legal Lot Number403
JurisdictionDESOTO MS
Township / Civil Division4
Census Block Group2
Census Block2012
Census Tract71200

Owner

Source: DeSoto County records · APN 3-09-4-19-06-0-00403-00

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

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

Owner of Record2 Individual Names on File
Mailing Address3895 PLUM RIDGE RD, HERNANDO, MS 38632-4240
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 16, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jan 12, 2022Deed of Trust, Mortgage · Conventional Mortgage
COMMUNITY MORTGAGE CORP
Jan 12, 2022Warranty Deed, Transfer
NOT AVAILABLE, GUARDIAN TITLE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 12, 2022 · Amount on Record
Deed SaleJan 12, 2022 · Amount on Record
Prior SaleDec 23, 2010 · Amount on Record
Deed Book / Page984 / 495
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESOTO MS
Recording DateApr 16, 2026
Property Address3895 PLUM RIDGE RD, HERNANDO, MS 38632-4240
Document Number5663/40421
Book / Page5663 / 40421
Instrument DateApr 09, 2026
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyROCKET MORTGAGE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3895 PLUM RIDGE RD, HERNANDO, MS 38632-4240

Mortgage

Document Number5663040421,
DateApr 16, 2026
Book Page5663/40421
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6.11%
Initial TypeFixed Rate
Max Rate-1%

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESOTO MS
Property Address3895 PLUM RIDGE RD, HERNANDO, MS 38632-4240
Transaction TypeMortgage
Record UpdatedAug 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address142 TLMBER CREEK DRVE, CORDOVA, TN 38018-4234

Mortgage

Document Number0005442/72
DateJan 12, 2022
Book Page5442/72
Lender
NameCOMMUNITY MORTGAGE CORP
TypeMortgage Company
AddressCORDOVA, TN 38018
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term358 Months
DueNov 01, 2051

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESOTO MS
Recording DateJan 12, 2022
Property Address3895 PLUM RIDGE RD, HERNANDO, MS 38632-4240
Document Number000984/495
Book / Page984 / 495
Map ReferenceMB 4 PG 23
Instrument DateDec 27, 2021
Transaction TypeTransfer
Record UpdatedNov 29, 2022
Title CompanyNOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address25 PLEASANT ST, 25, DOVER FOXCROFT, ME 04426-1219

Transferred To (Grantee/Buyer)

NameVerified Name
Address3895 PLUM RIDGE RD, HERNANDO, MS 38632-4240

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateMississippi
CountyDeSoto County
Unified School DistrictDeSoto 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.

YearTax BillAssessed ValueAssessed Market Value
2025$326.00 (-17.26%)$11,411 (-) Land $1,000 Building $10,411$114,105 (-) Land $10,000 Building $104,105
2023$394.00$11,411$114,105 Land $10,000 Building $104,105

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 280330712002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1979)
Most Recent ClaimMar 1979, rainfall accumulation

Wildfire

Wildfire RiskModerate
above 40% of the US · above 29% of Mississippi
Wildfire LikelihoodAbout 1 in 1,389 per year
ExposureDirect
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 · Published October 2026 · based on 93 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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