3897 Swan Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 3897 Swan Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,548 sqft · built 2023
Lot Size	0.217 acres (9,455 sqft)
Owner	Individual Name on File
Tax Bill	$3,235 (2025)
Deeds & Mortgages	Mar 2023 Construction Loan Jan 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-5-21-07-0-00110-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-5-21-07-0-00110-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	2,548 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,455 sqft (0.217 acres)

Location & Zoning

Street Address	3897 SWAN CV
City	HERNANDO
State	MS
Zip	38632-1045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	SAINT IVES NBHD SEC B & C LOT 110
Legal Subdivision	SAINT IVES SEC B & C
Legal Lot Number	110
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2017
Census Tract	71002

Owner

3897 Swan Cv is owned and occupied by an individual who acquired it in January 2024.

Source: DeSoto County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3897 SWAN CV, HERNANDO, MS 38632-1045
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · Construction Mortgage TRUSTMARK NATIONAL BANK
Jan 26, 2024	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2024
Deed Sale	Jan 26, 2024
Deed Document Number	0010241253
Deed Book / Page	1024 / 1253
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3897 SWAN CV, HERNANDO, MS 38632-1045
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 38, OLIVE BRANCH, MS 38654-0038
Investor	Possibly a Property Investor

Mortgage

Document Number	5660/17357
Date	Mar 15, 2023
Book Page	5660/17357

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39205

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Sep 10, 2024

Interest

Rate Type	Adjustable Rate

January 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 26, 2024
Property Address	3897 SWAN CV, HERNANDO, MS 38632-1045
Document Number	01024/1253
Book / Page	1024 / 1253
Map Reference	MB 139 PG 21
Instrument Date	Jan 25, 2024
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6879 CRUMPLER BLVD STE 201, 201, OLIVE BRANCH, MS 38654-1962

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3897 SWAN CV, HERNANDO, MS 38632-1045

Mortgage

Document Number	0056616577
Date	Jan 26, 2024
Instrument	5661/6577

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 3897 Swan Cv was $3,235.

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,235.00	$30,349 Land $4,800 Building $25,549	$303,493 Land $48,000 Building $255,493
2023	$749.00	$5,400	$36,000 Land $36,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3897 Swan Cv in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3897 Swan Cv is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · above 66% of Mississippi
Wildfire Likelihood	0.1% 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	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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Swan Cv

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures