4540 Rowsey Crossing Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 4540 Rowsey Crossing Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 4,354 sqft · built 2024
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Tax Bill	$4,312 (2025)
Deeds & Mortgages	Sep 2023 Construction Loan May 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-4-20-01-0-00014-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-4-20-01-0-00014-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	4,354 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	87,120 sqft (2 acres)
Pool Area	512 sqft
Patio Area	580 sqft

Location & Zoning

Street Address	4540 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 14
Legal Subdivision	ROWSEY CROSSING
Legal Lot Number	14
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71123

Owner

Source: DeSoto County records · APN 3-08-4-20-01-0-00014-00

Assessment roll updated September 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	4540 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Deed of Trust, Mortgage · Construction Mortgage GUARANTY BANK & TRUST CO
May 22, 2024	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO
Jul 17, 2023	Warranty Deed, Transfer PERFECT TITLE, PERFECT TITLE LLC
Oct 13, 2021	Warranty Deed, Transfer TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 17, 2023
Deed Sale	Jul 17, 2023
Prior Sale	Oct 13, 2021
Deed Document Number	0102312449
Deed Book / Page	1023 / 12449
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4540 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4625 SCOTTWOOD DR, WACO, TX 76708-1242

Mortgage

Document Number	5660/90048
Date	Sep 28, 2023
Book Page	5660/90048

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	SENATOBIA, MS 38668

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 12, 2024

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4540 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	PERFECT TITLE, PERFECT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4540 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053

Mortgage

Document Number	5661/48260
Date	May 22, 2024
Book Page	5661/48260

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2039

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 17, 2023
Property Address	4540 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Document Number	1023/12449
Book / Page	1023 / 12449
Map Reference	MB 137 PG 45
Instrument Date	Jul 13, 2023
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	PERFECT TITLE, PERFECT TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1848 GRAND MNR, HERNANDO, MS 38632-1665

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4625 SCOTTWOOD DR, WACO, TX 76708-1242

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 13, 2021
Property Address	4540 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Document Number	000974/616
Book / Page	974 / 616
Map Reference	MB 137 PG 45
Instrument Date	Oct 11, 2021
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	TRINITY TITLE COMPANY, REALTY TITLE & ESCROW CO INC

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	1848 GRAND MNR, HERNANDO, MS 38632-1665
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,312.00 (+616.28%)	$55,886 (+831.43%) Land $4,000 Building $51,886	$558,861 (+1,297.15%) Land $40,000 Building $518,861
2023	$602.00	$6,000 (-)	$40,000 (-) Land $40,000
2022	$602.00	$6,000 Land $6,000	$40,000 Land $40,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 5, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 44% of Mississippi
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 4 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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