4524 Rowsey Crossing Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 4524 Rowsey Crossing Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,952 sqft · built 2022
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Tax Bill	$3,997 (2025)
Deeds & Mortgages	Apr 2023 Construction Loan Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-4-20-01-0-00015-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-4-20-01-0-00015-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,952 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	87,120 sqft (2 acres)
Pool Area	512 sqft
Patio Area	448 sqft

Location & Zoning

Street Address	4524 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 15
Legal Subdivision	ROWSEY CROSSING
Legal Lot Number	15
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	4524 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Construction Mortgage GUARANTY BANK & TRUST CO
Mar 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO
Oct 6, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021
Deed Sale	Oct 6, 2021
Deed Document Number	0000973715
Deed Book / Page	973 / 715
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4524 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4524 ROWSEY CROSSING DR B-7, B-7, HERNANDO, MS 38632-1053

Mortgage

Document Number	5660/24491
Date	Apr 4, 2023
Book Page	5660/24491

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	SOUTHAVEN, MS 38672

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 10, 2033

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4524 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Transaction Type	Mortgage
Record Updated	Dec 12, 2023
Title Company	UNITY TITLE GROUP LLC, QUALITY TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 LAKE FRONT DR N, HERNANDO, MS 38632-1462

Mortgage

Document Number	5660/13017
Date	Mar 2, 2023
Book Page	5660/13017

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 6, 2021
Property Address	4524 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Document Number	000973/715
Book / Page	973 / 715
Map Reference	MB 137 PG 45
Instrument Date	Oct 5, 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	92 LAKE FRONT DR N, HERNANDO, MS 38632-1462

Mortgage

Document Number	0005365317
Date	Oct 6, 2021
Instrument	5365/317

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 5, 2022

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	$3,997.00 (+24.67%)	$52,067 (+48.59%) Land $4,000 Building $48,067	$520,672 (+48.59%) Land $40,000 Building $480,672
2023	$3,206.00	$35,041	$350,409 Land $40,000 Building $310,409

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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