434 Country Clb Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 434 Country Clb Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,186 sqft · built 1987
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jun 2015)
Tax Bill	$3,043 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Dec 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-06-04-0-00084-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-06-04-0-00084-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,186 sqft Adjusted Area
1st Floor Area	2,757 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Hip
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)

Location & Zoning

Street Address	434 COUNTRY CLUB DR
City	HERNANDO
State	MS
Zip	38632-6959
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	GREEN T LAKES SD SEC F LOT 84
Legal Range	007
Legal Township	03S
Legal Section	06
Legal Subdivision	GREEN T LAKES SD
Legal Lot Number	84
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1002
Census Tract	71001

Owner

434 Country Clb Dr is owned and occupied by an individual who acquired it in October 2019.

Source: DeSoto County records, as of December 23, 2025

Owner of Record	Individual Name on File
Mailing Address	434 COUNTRY CLUB DR, HERNANDO, MS 38632-6959
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
Oct 18, 2019	Deed of Trust, Mortgage · FHA Mortgage FIDELITY BANK
Dec 28, 2018	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO
Oct 31, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2015 · Amount on File
Deed Sale	Jun 25, 2015 · Amount on File
Deed Book / Page	766 / 193
Last Transfer Date	Oct 30, 2019
Transfer Doc	000903/495
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	434 COUNTRY CLUB DR, HERNANDO, MS 38632-6959
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004818/042
Date	Oct 18, 2019
Book Page	4818/042

Lender

Name	FIDELITY BANK
Type	Bank
Address	MANDEVILLE, LA 70471

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	434 COUNTRY CLUB DR, HERNANDO, MS 38632-6959
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004658/148
Date	Dec 28, 2018
Book Page	4658/148

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	CLEVELAND, MS 38732

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Nov 15, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Oct 31, 2019
Property Address	434 COUNTRY CLUB DR, HERNANDO, MS 38632-6959
Document Number	000903/495
Book / Page	0903 / 495
Map Reference	MB 44 PG 20
Instrument Date	Oct 30, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2042 MELNGVALE RD, 2042, HERNANDO, MS 38632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 COUNTRY CLUB DR, HERNANDO, MS 38632-6959

Tax Assessment & Valuation

The 2025 property tax bill for 434 Country Clb Dr was $3,043.

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	$3,043.00	$28,702 Land $4,000 Building $24,702	$287,022 Land $40,000 Building $247,022
2023	$2,621.00	$21,059	$210,594 Land $40,000 Building $170,594

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 434 Country Clb Dr 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	5 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 434 Country Clb Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 81% of Mississippi
Wildfire Likelihood	0.04% 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-JAYBIRD private · serves 6,750 people · EPA ID MS0170002
Water Source	Groundwater
Last State Inspection	Aug 2024
Also Mapped Here	NESBIT WATER ASSOCIATION
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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
C Spire Wireless Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Country Clb Dr

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