4249 Hwy 305 S, Hernando, MS 38632 Property Records

DeSoto County property record for 4249 Hwy 305 S, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,763 sqft · built 2022
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Tax Bill	$3,579 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-06-7-26-00-0-00011-05`

Property Details

APN / Parcel Number

Primary APN	`3-06-7-26-00-0-00011-05`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,763 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)
Pool Area	640 sqft
Patio Area	512 sqft

Location & Zoning

Street Address	4249 HIGHWAY 305 S
City	HERNANDO
State	MS
Zip	38632-6385
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	NW PT NW 1/4
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1025
Census Tract	70900

Owner

4249 Hwy 305 S is owned and occupied by an individual who acquired it in September 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4249 HIGHWAY 305 S, HERNANDO, MS 38632-6385
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
Jun 24, 2022	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Aug 2, 2022	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Sep 26, 2022	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Dec 22, 2021	Warranty Deed, Transfer · Line of Credit FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2022
Deed Sale	Sep 26, 2022
Prior Sale	Dec 22, 2021
Deed Document Number	0000101312
Deed Book / Page	1013 / 12
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4249 HIGHWAY 305 S, HERNANDO, MS 38632-6385
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11845 BYHALIA RD, BYHALIA, MS 38611-9528

Mortgage

Document Number	005556/325
Date	Jun 24, 2022
Book Page	5556/325

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	3 Months
Due	Sep 10, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4249 HIGHWAY 305 S, HERNANDO, MS 38632-6385
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11845 BYHALIA RD, BYHALIA, MS 38611-9528

Mortgage

Document Number	005578/693
Date	Aug 2, 2022
Book Page	5578/693

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	3 Months
Due	Nov 5, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Sep 26, 2022
Property Address	4249 HIGHWAY 305 S, HERNANDO, MS 38632-6385
Document Number	0001013/12
Book / Page	1013 / 12
Instrument Date	Sep 20, 2022
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11845 BYHALIA RD, BYHALIA, MS 38611-9528

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4249 HIGHWAY 305 S, HERNANDO, MS 38632-6385
Investor	Possibly a Property Investor

Mortgage

Document Number	0005608118
Date	Sep 26, 2022
Instrument	5608/118

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 22, 2021
Property Address	4249 HIGHWAY 305 S, HERNANDO, MS 38632-6385
Document Number	000982/589
Book / Page	982 / 589
Instrument Date	Dec 8, 2021
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 408, SOUTHAVEN, MS 38671-0005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11845 BYHALIA RD, BYHALIA, MS 38611-9528

Mortgage

Document Number	0000542823
Date	Dec 22, 2021
Instrument	5428/23

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	9 Months
Due	Sep 10, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4249 Hwy 305 S was $3,579.

Source: DeSoto County assessment roll, as of September 1, 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	$3,579.00	$47,028 Land $4,000 Building $43,028	$470,283 Land $40,000 Building $430,283
2023	$2,506.00	$28,071	$280,707 Land $30,000 Building $250,707

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

Flood

FEMA maps place 4249 Hwy 305 S in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding

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 4249 Hwy 305 S is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · above 78% of Mississippi
Wildfire Likelihood	0.2% 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 20 locations within half a mile, as of December 31, 2025

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

May also be available: C Spire Wireless.

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