41 Cross Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 41 Cross Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,913 sqft · built 2002
Lot Size	0.2 acres (8,707 sqft)
Owner	Individual Name on Record
Last Sale	$322,192 (Aug 2025)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-09-0-00068-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-09-0-00068-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,913 sqft Adjusted Area
1st Floor Area	1,632 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	8,707 sqft (0.2 acres)
Lot Dimensions	118 ft deep x 9 ft wide
Patio Area	135 sqft

Location & Zoning

Street Address	41 CROSS CREEK DR
City	HERNANDO
State	MS
Zip	38632-1139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERL
Legal Description	CROSS CREEK S-D SEC C LOT 68
Legal Range	008
Legal Township	03S
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	68
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	71121

Owner

Source: DeSoto County records, as of March 23, 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	41 CROSS CREEK DR, HERNANDO, MS 38632-1139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK
Aug 14, 2025	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY MORTGAGE CORP
Apr 19, 2023	Warranty Deed, Transfer NOT AVAILABLE, GUARDIAN TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2025 · Amount on Record
Deed Sale	Aug 14, 2025 · Amount on Record
Prior Sale	Apr 19, 2023
Deed Book / Page	1025 / 15575
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	41 CROSS CREEK DR, HERNANDO, MS 38632-1139
Transaction Type	Mortgage
Record Updated	Sep 24, 2025
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 CROSS CREEK DR, HERNANDO, MS 38632-1139

Mortgage

Document Number	005373/131
Date	Oct 14, 2021
Book Page	5373/131

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 14, 2025
Property Address	41 CROSS CREEK DR, HERNANDO, MS 38632-1139
Document Number	1025/15575
Book / Page	1025 / 15575
Map Reference	MB 64 PG 6
Instrument Date	Aug 13, 2025
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11455 FIRST HICKORY CV, HERNANDO, MS 38632-2473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 CROSS CREEK DR, HERNANDO, MS 38632-1139

Mortgage

Document Number	0566282972
Date	Aug 14, 2025
Instrument	5662/82972

Lender

Name	COMMUNITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 19, 2023
Property Address	41 CROSS CREEK DR, HERNANDO, MS 38632-1139
Document Number	01023/6113
Book / Page	1023 / 6113
Map Reference	MB 64 GP 6
Instrument Date	Apr 11, 2023
Transaction Type	Transfer
Record Updated	May 26, 2023
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	199 EASTPORT ST, BURNSVILLE, MS 38833-9400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 CROSS CREEK DR, HERNANDO, MS 38632-1139

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 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	$1,773.00 (+15.96%)	$17,799 (+34.95%) Land $3,000 Building $14,799	$177,990 (+34.95%) Land $30,000 Building $147,990
2024	$1,529.00	$13,189 (-) Land $3,000 Building $10,189	$131,893 (-) Land $30,000 Building $101,893
2023	$1,529.00	$13,189	$131,893 Land $30,000 Building $101,893

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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	Low lower than 67% of the US · lower than 84% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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-JAYBIRD private · serves 6,750 people · EPA ID MS0170002
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 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	5 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
C Spire Wireless Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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