4503 Rowsey Crossing Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 4503 Rowsey Crossing Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 4,280 sqft · built 2022
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Tax Bill	$4,101 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-4-20-01-0-00017-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-4-20-01-0-00017-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	4,280 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	130,680 sqft (3 acres)
Pool Area	288 sqft

Location & Zoning

Street Address	4503 ROWSEY CROSSING DR
City	HERNANDO
State	MS
Zip	38632-1053
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	ROWSEY CROSSING LOT 17
Legal Subdivision	ROWSEY CROSSING
Legal Lot Number	17
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 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
Co-owner	Co-owner on Record
Mailing Address	4503 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF MERIDIAN
Nov 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK
Nov 3, 2021	Warranty Deed, Transfer · Line of Credit FIRST SECURITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2021
Deed Sale	Nov 3, 2021
Deed Document Number	0000977130
Deed Book / Page	977 / 130
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4503 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4503 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053

Mortgage

Document Number	005659/446
Date	Jan 18, 2023
Book Page	5659/446

Lender

Name	THE CITIZENS NATIONAL BANK OF MERIDIAN
Type	Bank
Address	MERIDIAN, MS 39305

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4503 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3445 MARION LN, SOUTHAVEN, MS 38672-2304

Mortgage

Document Number	005638/548
Date	Nov 28, 2022
Book Page	5638/548

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Nov 3, 2021
Property Address	4503 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Document Number	000977/130
Book / Page	977 / 130
Map Reference	MB 137 PG 45
Instrument Date	Nov 2, 2021
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 867, NEW ALBANY, MS 38652-0867

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3445 MARION LN, SOUTHAVEN, MS 38672-2304

Mortgage

Document Number	0005388611
Date	Nov 3, 2021
Instrument	5388/611

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	9 Months
Due	Aug 2, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 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	$4,101.00 (+17.84%)	$53,324 (+41.15%) Land $4,000 Building $49,324	$533,238 (+41.15%) Land $40,000 Building $493,238
2023	$3,480.00	$37,779	$377,794 Land $40,000 Building $337,794

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	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 46% of the US · above 44% of Mississippi
Wildfire Likelihood	0.09% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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