4560 Rowsey Crossing Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 4560 Rowsey Crossing Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 4,146 sqft · built 2024
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,818 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jan 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-4-20-01-0-00013-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-4-20-01-0-00013-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	4,146 sqft Adjusted Area
1st Floor Area	2,723 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Shingle
Lot Area	87,120 sqft (2 acres)

Location & Zoning

Street Address	4560 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 13
Legal Range	008
Legal Township	03S
Legal Section	20
Legal Subdivision	ROWSEY CROSSING
Legal Lot Number	13
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71123

Owner

Source: DeSoto County assessment roll, as of December 15, 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 File
Mailing Address	4560 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK
Jan 22, 2024	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Sep 27, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Jul 27, 2023	Warranty Deed, Transfer FIRST SECURITY BANK
Oct 21, 2021	Warranty Deed, Transfer ALTA TITLE AND ESCROW, REALTY TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 27, 2023
Deed Sale	Jul 27, 2023
Deed Book / Page	1023 / 13415
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4560 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	951 MALONE ROAD, HERNANDO, MS 38632-7145

Mortgage

Document Number	005568/366
Date	Jul 15, 2022
Book Page	5568/366

Lender

Name	PINNACLE BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jul 15, 2024

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4560 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3777 DAWNWOOD CIR W, SOUTHAVEN, MS 38672-2313

Mortgage

Document Number	05661/4659
Date	Jan 22, 2024
Book Page	5661/4659

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	9 Months
Due	Oct 5, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4560 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3777 DAWNWOOD CIR W, SOUTHAVEN, MS 38672-2313

Mortgage

Document Number	5661/94396
Date	Sep 27, 2024
Book Page	5661/94396

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 27, 2023
Property Address	4560 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Document Number	1023/13415
Book / Page	1023 / 13415
Map Reference	MB 137 PG 45
Instrument Date	Jul 25, 2023
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1482 SINGLE TREE DR, HERNANDO, MS 38632-8046

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3777 DAWNWOOD CIR W, SOUTHAVEN, MS 38672-2313

Mortgage

Document Number	0566067117
Date	Jul 27, 2023
Instrument	5660/67117

Lender

Name	FIRST SECURITY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jul 27, 2028

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 21, 2021
Property Address	4560 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053
Document Number	000975/511
Book / Page	975 / 511
Map Reference	MB 137 PG 45
Instrument Date	Oct 20, 2021
Transaction Type	Transfer
Record Updated	Dec 15, 2025
Title Company	ALTA TITLE AND ESCROW, REALTY TITLE & ESCROW

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

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 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	$3,818.00 (+534.22%)	$49,889 (+731.48%) Land $4,000 Building $45,889	$498,889 (+1,147.22%) Land $40,000 Building $458,889
2023	$602.00	$6,000	$40,000 Land $40,000

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 at the parcel

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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