45 McKinzie Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 45 McKinzie Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,268 sqft · built 2005
Lot Size	0.212 acres (9,223 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,200 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-01-06-0-00069-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-01-06-0-00069-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,268 sqft Adjusted Area
1st Floor Area	1,805 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,223 sqft (0.212 acres)
Lot Dimensions	130 ft deep x 71 ft wide

Location & Zoning

Street Address	45 MCKINZIE CV
City	HERNANDO
State	MS
Zip	38632-1343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERL
Legal Description	FORKED CREEK SUB SECTION B LOT 69
Legal Range	008
Legal Township	03S
Legal Section	01
Legal Subdivision	FORKED CREEK SUB
Legal Lot Number	69
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	71121

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	2 Individual Names on Record
Mailing Address	45 MCKINZIE CV, HERNANDO, MS 38632-1343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2018	Deed of Trust, Mortgage · VA Mortgage BARTLETT MORTGAGE INC
Apr 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Sep 2, 2022	Warranty Deed, Transfer · Conventional Mortgage MEMPHIS CITY EMPLOYEES CU
Apr 23, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022
Deed Sale	Sep 2, 2022
Prior Sale	Apr 23, 2018 · Amount on Record
Deed Book / Page	1010 / 739
Prior Transfer Date	Dec 3, 2009
Prior Transfer Doc	000623/406
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	45 MCKINZIE CV, HERNANDO, MS 38632-1343
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	REGENCY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004527/70
Date	Apr 20, 2018
Book Page	4527/70
Instrument	T04527-00070

Lender

Name	BARTLETT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	45 MCKINZIE CV, HERNANDO, MS 38632-1343
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004527/520
Date	Apr 23, 2018
Book Page	4527/520
Instrument	T04527-00520

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Sep 2, 2022
Property Address	45 MCKINZIE CV, HERNANDO, MS 38632-1343
Document Number	001010/739
Book / Page	1010 / 739
Map Reference	MB 83 PG 1
Instrument Date	Aug 26, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1001 AUGUSTA ST, 1001, MOBILE, AL 36604-3007

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 MCKINZIE CV, HERNANDO, MS 38632-1343

Mortgage

Document Number	0005597158
Date	Sep 2, 2022
Instrument	5597/158

Lender

Name	MEMPHIS CITY EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2037

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 23, 2018
Property Address	45 MCKINZIE CV, HERNANDO, MS 38632-1343
Document Number	000854/184
Book / Page	0854 / 184
Map Reference	PB 83 PG 1
Instrument Date	Apr 19, 2018
Instrument	W00854-00184
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8347 GRAND OAK DR, 8347, GERMANTOWN, TN 38138-7620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MCKINZIE CV, HERNANDO, MS 38632-1343

Tax Assessment & Valuation

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	$2,200.00 (+15.55%)	$21,466 (+35.12%) Land $3,500 Building $17,966	$214,664 (+35.12%) Land $35,000 Building $179,664
2023	$1,904.00	$15,887	$158,865 Land $35,000 Building $123,865

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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	Low lower than 64% of the US · lower than 80% of Mississippi
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
C Spire Wireless Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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