4490 Carolyn Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 4490 Carolyn Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,574 sqft · built 2018
Lot Size	2.26 acres (98,446 sqft)
Owner	Individual Name on Record
Tax Bill	$1,976 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jul 2018 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-9-30-01-0-00001-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-9-30-01-0-00001-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	2,574 sqft Adjusted Area
1st Floor Area	1,782 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Shingle
Lot Area	98,446 sqft (2.26 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4490 CAROLYN DR
City	HERNANDO
State	MS
Zip	38632-7823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 1 LAKE ANN S-D
Legal Range	008
Legal Township	03S
Legal Section	30
Legal Subdivision	LAKE ANN
Legal Lot Number	1
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71123

Owner

Source: DeSoto County records, as of December 23, 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	4490 CAROLYN DR, HERNANDO, MS 38632-7823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Jul 17, 2018	Deed of Trust, Mortgage · Construction Mortgage GUARANTY BANK & TRUST CO
Aug 14, 2020	Warranty Deed, Transfer REGENCY TITLE AND ESCROW LLC, REGENCY TITLE & ESCROW
Jul 17, 2018	Warranty Deed, Transfer
Apr 18, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2020
Deed Sale	Aug 14, 2020
Prior Sale	Jul 17, 2018 · Amount on Record
Deed Book / Page	928 / 752
Prior Transfer Date	Mar 5, 2018
Prior Transfer Doc	000853/658
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4490 CAROLYN DR, HERNANDO, MS 38632-7823
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4490 CAROLYN DR, HERNANDO, MS 38632-7823

Mortgage

Document Number	5662/92153
Date	Sep 9, 2025
Book Page	5662/92153

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	OLIVE BRANCH, MS 38654

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4490 CAROLYN DR, HERNANDO, MS 38632-7823
Transaction Type	Mortgage
Record Updated	Mar 9, 2023
Title Company	FIRST NATIONAL FINANCIAL TITLE, FIRST NATIONAL FINANCIAL TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004574/161
Date	Jul 17, 2018
Book Page	4574/161
Instrument	T04574-00161

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 15, 2019

Interest

Rate Type	Fixed Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 14, 2020
Property Address	4490 CAROLYN DR, HERNANDO, MS 38632-7823
Document Number	000928/752
Book / Page	928 / 752
Map Reference	MB 10 PG 37
Instrument Date	Aug 7, 2020
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	REGENCY TITLE AND ESCROW LLC, REGENCY TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 87, RED BANKS, MS 38661-0087

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4490 CAROLYN DR, HERNANDO, MS 38632-7823

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 17, 2018
Property Address	4490 CAROLYN DR, HERNANDO, MS 38632-7823
Document Number	000861/666
Book / Page	861 / 666
Map Reference	PB 10 PG 3
Instrument Date	Jul 13, 2018
Instrument	W00861-00666
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9163 E SANDIDGE RD, OLIVE BRANCH, MS 38654-3506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 87, RED BANKS, MS 38661-0087
Investor	Possibly a Property Investor

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Apr 18, 2018
Property Address	4490 CAROLYN DR, HERNANDO, MS 38632-7823
Document Number	000853/658
Book / Page	00853 / 658
Map Reference	PB 10 PG 37
Instrument Date	Mar 5, 2018
Instrument	W00853-00658
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9163 E SANDIDGE RD, OLIVE BRANCH, MS 38654-3506

Tax Assessment & Valuation

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	$1,976.00 (+17.27%)	$23,964 (+42.13%) Land $848 Building $23,116	$239,639 (+42.13%) Land $8,475 Building $231,164
2023	$1,685.00	$16,861	$168,606 Land $8,475 Building $160,131

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

Wildfire Risk	Moderate above 51% of the US · above 59% 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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