4980 Hwy 51 S, Hernando, MS 38632 Property Records

DeSoto County property record for 4980 Hwy 51 S, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,658 sqft · built 1930
Lot Size	1.41 acres (61,420 sqft)
Owner	2 Individual Names on File
Tax Bill	$390 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-9-30-00-0-00043-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-9-30-00-0-00043-00`

Interior

Bedrooms	1 Bed
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,658 sqft Adjusted Area
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Shingle
Lot Area	61,420 sqft (1.41 acres)
Patio Area	420 sqft

Location & Zoning

Street Address	4980 HIGHWAY 51 S
City	HERNANDO
State	MS
Zip	38632-8490
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	30-3-7 SW COR OF SW 1/4
Legal Range	07
Legal Township	03
Legal Section	30
Legal Lot Number	43
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2003
Census Tract	71124

Owner

4980 Hwy 51 S is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	4980 HIGHWAY 51 S, HERNANDO, MS 38632-8490
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
Sep 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NATIONAL BANK
Oct 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000936773
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Recording Date	Sep 17, 2026
Property Address	4980 HIGHWAY 51 S, HERNANDO, MS 38632-8490
Document Number	5663106138
Book / Page	5663 / 106138
Instrument Date	Aug 14, 2026
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4980 HIGHWAY 51 S, HERNANDO, MS 38632-8490

Mortgage

Document Number	5663106138,
Date	Sep 17, 2026
Book Page	5663/106138

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 19, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4980 HIGHWAY 51 S, HERNANDO, MS 38632-8490
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4980 HIGHWAY 51 S, HERNANDO, MS 38632-8490

Mortgage

Document Number	0005615/41
Date	Oct 7, 2022
Book Page	5615/41

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Nov 5, 2032
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	11%
Index	1-Year CMT
Max Rate	11%

Tax Assessment & Valuation

The 2025 property tax bill for 4980 Hwy 51 S was $390.

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	$390.00	$8,267 Land $1,410 Building $6,857	$82,667 Land $14,100 Building $68,567
2023	$360.00	$5,943	$59,427 Land $14,100 Building $45,327

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

Flood

FEMA maps place 4980 Hwy 51 S in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 5, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4980 Hwy 51 S is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 62% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	BELMONT WATER ASSOCIATION public/private · serves 2,719 people · EPA ID MS0170001
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 51 S

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