DeSoto County property record for 449 W Valley St, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,154 sqft · built 1946 |
| Lot Size | 0.296 acres (12,905 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,260 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-6-13-00-1-00080-00 |
| Primary APN | 3-08-6-13-00-1-00080-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,154 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1946 |
|---|---|
| Exterior Material | Composition/Composite |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 12,905 sqft (0.296 acres) |
| Lot Dimensions | 120 ft deep x 90 ft wide |
| Patio Area | 336 sqft |
| Utility Building | 240 sqft |
| Street Address | 449 W VALLEY ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-1726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Description | 13-3-8 PT. LOTS 205, 206 HERNANDO INC |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | NW |
| Legal Subdivision | HERNANDO INC |
| Legal Lot Number | 205 206 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 71122 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the North Elm Historic District listed 2012 · 51 contributing resources · NRIS 12000153 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: DeSoto County records, as of December 22, 2025
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 | 449 W VALLEY ST, HERNANDO, MS 38632-1726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000752436 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 449 W VALLEY ST, HERNANDO, MS 38632-1726 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | GUARDIAN TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 449 W VALLEY ST, HERNANDO, MS 38632-1726 |
| Document Number | 005407/189 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 5407/189 |
| Name | PLANTERS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | OLIVE BRANCH, MS 38654 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Nov 12, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: DeSoto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,260.00 (-17.43%) | $18,317 (+39.12%) Land $1,449 Building $16,868 | $183,167 (+39.13%) Land $14,490 Building $168,677 |
| 2023 | $1,526.00 | $13,166 | $131,656 Land $14,490 Building $117,166 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 232 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| C Spire Wireless Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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