4185 Fogg Rd S, Hernando, MS 38632 Property Records

DeSoto County property record for 4185 Fogg Rd S, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3,194 sqft · built 2023
Lot Size	14.3 acres (622,908 sqft)
Owner	2 Individual Names on File
Last Sale	$292,500 (Mar 2022)
Tax Bill	$2,710 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-9-30-00-0-00002-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-9-30-00-0-00002-00`

Interior

Building Area	3,194 sqft Adjusted Area
1st Floor Area	2,311 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Mobile/Manufactured
Exterior Material	Other
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	622,908 sqft (14.3 acres)
Garage Area	1,488 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	4185 FOGG RD S
City	HERNANDO
State	MS
Zip	38632-9761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	PT OF NE 1/4
Legal Range	008
Legal Township	03S
Legal Section	30
Legal Lot Number	2
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71123

Owner

4185 Fogg Rd S is owned and occupied by two individuals who bought it in March 2022.

Source: DeSoto County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4185 FOGG RD S, HERNANDO, MS 38632-9761
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Sep 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK
Nov 10, 2022	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Mar 3, 2022	Warranty Deed, Transfer UNITY TITLE GROUP LLC, QUALITY TITLE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2022 · Amount on File
Deed Sale	Mar 3, 2022 · Amount on File
Deed Book / Page	989 / 648
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4185 FOGG RD S, HERNANDO, MS 38632-9761
Transaction Type	Mortgage
Record Updated	Oct 13, 2023
Title Company	REALITY TITLE, REALTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4185 FOGG RD S, HERNANDO, MS 38632-9761

Mortgage

Document Number	5660/89590
Date	Sep 27, 2023
Book Page	5660/89590

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2038

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4185 FOGG RD S, HERNANDO, MS 38632-9761
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1480 LINDSEY LN, SOUTHAVEN, MS 38672-8510
Investor	Possibly a Property Investor

Mortgage

Document Number	005631/589
Date	Nov 10, 2022
Book Page	5631/589

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	8 Months
Due	Jul 19, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 3, 2022
Property Address	4185 FOGG RD S, HERNANDO, MS 38632-9761
Document Number	000989/648
Book / Page	989 / 648
Instrument Date	Feb 28, 2022
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	UNITY TITLE GROUP LLC, QUALITY TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 325, HERNANDO, MS 38632-0325

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4185 FOGG RD S, HERNANDO, MS 38632-9761

Tax Assessment & Valuation

The 2025 property tax bill for 4185 Fogg Rd S was $2,710.

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	$2,710.00	$36,499 Land $3,575 Building $32,924	$364,988 Land $35,750 Building $329,238
2023	$324.00	$3,250	$32,500 Land $32,500

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

Flood

FEMA maps place 4185 Fogg Rd S 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	6 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 4185 Fogg Rd S is moderate, ranking above 50% 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 50% of the US · above 55% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

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

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