49 Cross Creek Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 49 Cross Creek Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,949 sqft · built 2001
Lot Size	0.17 acres (7,413 sqft)
Owner	Company Name on Record
Tax Bill	$3,195 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-09-0-00067-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-09-0-00067-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,949 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,413 sqft (0.17 acres)
Lot Dimensions	115 ft deep x 69 ft wide
Patio Area	196 sqft

Location & Zoning

Street Address	49 CROSS CREEK DR
City	HERNANDO
State	MS
Zip	38632-1139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12 OVERLAY
Legal Description	CROSS CREEK S-D SEC C LOT 67
Legal Range	08
Legal Township	03
Legal Section	12
Legal Subdivision	CROSS CREEK S-D
Legal Lot Number	67
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	71121

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	Company Name on Record
Mailing Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 6, 2021	Warranty Deed, Transfer ALTA TITLE AND ESCROW, REALTY TITLE & ESCROW
Aug 4, 2020	Warranty Deed, Transfer ROBERT LUELL WOODS LIVING TRUST
Nov 19, 2019	Warranty Deed, Transfer EDCO TITLE AND CLOSING SERVICES, EDCO TTL & CLOSING SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2021
Deed Sale	May 6, 2021
Prior Sale	Aug 4, 2020
Deed Document Number	0000095768
Deed Book / Page	957 / 68
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	49 CROSS CREEK DR, HERNANDO, MS 38632-1139
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 CROSS CREEK DR, HERNANDO, MS 38632-1139

Mortgage

Document Number	005068/354
Date	Oct 19, 2020
Book Page	5068/354

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Dec 1, 2049

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 6, 2021
Property Address	49 CROSS CREEK DR, HERNANDO, MS 38632-1139
Document Number	0000957/68
Book / Page	957 / 68
Map Reference	MB 64 PG 6
Instrument Date	Apr 22, 2021
Transaction Type	Transfer
Record Updated	Nov 29, 2022
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	1374 LAKE FRONT DR E, 1374, HERNANDO, MS 38632-1460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 85261, SCOTTSDALE, AZ 85261
Investor	Possibly a Property Investor

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 4, 2020
Property Address	49 CROSS CREEK DR, HERNANDO, MS 38632-1139
Document Number	000927/579
Book / Page	927 / 579
Map Reference	MB 99 PG 5-7
Instrument Date	Jul 8, 2020
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5067, HOLLY SPRINGS, MS 38634-5067

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	49 CROSS CREEK DR, HERNANDO, MS 38632-1139

Mortgage

Document Number	0005007668
Date	Aug 4, 2020
Instrument	5007/668

Lender

Name	ROBERT LUELL WOODS LIVING TRUST
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	10 Months
Due	Jun 1, 2021

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Nov 19, 2019
Property Address	49 CROSS CREEK DR, HERNANDO, MS 38632-1139
Document Number	000905/107
Book / Page	0905 / 107
Map Reference	MB 64 PG 6
Instrument Date	Nov 13, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	EDCO TITLE AND CLOSING SERVICES, EDCO TTL & CLOSING SVCS INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4610 MCCRACKEN RD, 4610, HERNANDO, MS 38632-8811

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	49 CROSS CREEK DR, HERNANDO, MS 38632-1139

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,195.00 (+13.94%)	$27,429 (+35.71%) Land $4,500 Building $22,929	$182,858 (+35.71%) Land $30,000 Building $152,858
2023	$2,804.00	$20,211	$134,742 Land $30,000 Building $104,742

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	2 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	Low lower than 67% of the US · lower than 84% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HERNANDO-JAYBIRD private · serves 6,750 people · EPA ID MS0170002
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
C Spire Wireless Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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