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450 W Valley St, Hernando, MS 38632 Property Records

DeSoto County property record for 450 W Valley St, Hernando, MS 38632

Property Summary

Property TypeSingle Family Home
Details3 bd · 2,709 sqft · built 2000
Lot Size1.1 acres (47,916 sqft)
OwnerIndividual Name on Record
Tax Bill$1,441 (2025)
Deeds & MortgagesMar 2017 Mortgage
Oct 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN3-08-6-13-00-1-00072-00

Property Details

APN / Parcel Number

Primary APN3-08-6-13-00-1-00072-00

Interior

Bedrooms3 Beds
Total Rooms7 Rooms
Stories1 Story
Building Area2,709 sqft Adjusted Area
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2000
Exterior MaterialOther
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeHip
Roof MaterialShingle
Lot Area47,916 sqft (1.1 acres)
Garage Area256 sqft
Parking Spaces1 Parking Space

Location & Zoning

Street Address450 W VALLEY ST
CityHERNANDO
StateMS
Zip38632-1725
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR-12
Legal DescriptionPT LTS 287-290;PT ABANDONED ST HERNANDO INC
Legal Range08
Legal Township03
Legal Section13
Legal QuarterNW
Legal SubdivisionHERNANDO INC
Legal Lot Number287-290 288
JurisdictionDESOTO MS
Township / Civil Division5
Census Block Group1
Census Block1063
Census Tract71122

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address450 W VALLEY ST, HERNANDO, MS 38632-1725
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 28, 2017Deed of Trust, Mortgage · Conventional Mortgage
CAPITALBANK
Oct 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 24, 2014
Deed SaleJul 24, 2014
Deed Document Number0000740113
Deed Book / Page0740 / 113
Record UpdatedJun 8, 2026

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESOTO MS
Property Address450 W VALLEY ST, HERNANDO, MS 38632-1725
Transaction TypeMortgage
Record UpdatedNov 29, 2022
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number004325/304
DateMar 28, 2017
Book Page4325/304
Lender
NameCAPITALBANK
TypeBank
AddressROCKVILLE, MD 20850
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term179 Months
DueFeb 1, 2032

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESOTO MS
Property Address450 W VALLEY ST, HERNANDO, MS 38632-1725
Transaction TypeMortgage
Record UpdatedNov 29, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address450 W VALLEY ST, HERNANDO, MS 38632-1725

Mortgage

Document Number005382/783
DateOct 27, 2021
Book Page5382/783
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term97 Months
DueNov 1, 2029

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 2025

Property Jurisdictions

TypeName
StateMississippi
CountyDeSoto County
MunicipalityHernando City
Unified School DistrictDeSoto County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,441.00 (+15.46%)$14,948 (+33.92%) Land $2,750 Building $12,198$149,480 (+33.92%) Land $27,500 Building $121,980
2023$1,248.00$11,162$111,623 Land $27,500 Building $84,123

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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 RiskModerate
above 44% of the US · above 41% of Mississippi
Wildfire Likelihood0.08% annual chance
ExposureDirect
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 SystemCITY OF HERNANDO-JAYBIRD
private · serves 6,750 people · EPA ID MS0170002
Water SourceGroundwater
Last State InspectionAug 2024
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting5
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 153 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		1,200 / 35
C Spire Wireless
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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