4687 Rowsey Crossing Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 4687 Rowsey Crossing Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 4,125 sqft · built 2023
Lot Size	3.55 acres (155,074 sqft)
Owner	Individual Name on File
Tax Bill	$4,115 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-4-20-01-0-00024-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-4-20-01-0-00024-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	4,125 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	155,074 sqft (3.55 acres)

Location & Zoning

Street Address	4687 ROWSEY CROSSING DR
City	HERNANDO
State	MS
Zip	38632-1065
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	ROWSEY CROSSING LOT 24
Legal Subdivision	ROWSEY CROSSING
Legal Lot Number	24
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71123

Owner

4687 Rowsey Crossing Dr is owned and occupied by an individual who acquired it in October 2021.

Source: DeSoto County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4687 ROWSEY CROSSING DR, HERNANDO, MS 38632-1065
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA
Jul 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURITY BANK
Oct 13, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage EAGLE LAND LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021
Deed Sale	Oct 13, 2021
Deed Document Number	0000974653
Deed Book / Page	974 / 653
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4687 ROWSEY CROSSING DR, HERNANDO, MS 38632-1065
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4687 ROWSEY CROSSING DR, HERNANDO, MS 38632-1065

Mortgage

Document Number	5661/33427
Date	Apr 15, 2024
Book Page	5661/33427

Lender

Name	CADENCE BANK NA
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 26, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4687 ROWSEY CROSSING DR, HERNANDO, MS 38632-1065
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2331 OAK CREEK DR, HERNANDO, MS 38632-6667

Mortgage

Document Number	5660/59305
Date	Jul 6, 2023
Book Page	5660/59305

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Oct 13, 2021
Property Address	4687 ROWSEY CROSSING DR, HERNANDO, MS 38632-1065
Document Number	000974/653
Book / Page	974 / 653
Map Reference	MB 137 PG 45
Instrument Date	Oct 13, 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	985 CEDAR GROVE PKWY, HERNANDO, MS 38632-6658
Investor	Possibly a Property Investor

Mortgage

Document Number	0000053723
Date	Oct 13, 2021
Instrument	5372/3

Lender

Name	EAGLE LAND LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 13, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 4687 Rowsey Crossing Dr was $4,115.

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	$4,115.00	$53,484 Land $4,000 Building $49,484	$534,841 Land $40,000 Building $494,841
2023	$603.00	$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

FEMA maps place 4687 Rowsey Crossing Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4687 Rowsey Crossing Dr is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 42% of Mississippi
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 12 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 and 4G LTE (outdoors only)

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