4997 Koko Reef Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 4997 Koko Reef Dr, Hernando, MS 38632 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Year Built	Built 2007
Square Footage	2,329 sqft Adjusted Area
Lot Size	78,054 sqft (1.79 acres)
Occupancy	Owner Occupied
Tax Bill	$1,135.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`3-09-9-29-01-0-00111-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	2,329 sqft Adjusted Area
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2007
Exterior Material	Brick Veneer Exterior
Construction Type	Brick Construction
Foundation Type	Mat/Raft Foundation (Slab) Foundation
Roof Construction	Gable Roof Construction
Roof Material	Shingle Roof
Lot Area	78,054 sqft (1.79 acres)
Depth X Width	333 ft x 359 ft Depth x Width
Shed	1 Shed
Shed Area	1,080 sqft Shed

Location & Zoning

Street Address	4997 KOKO REEF DR
City	HERNANDO
State	MS
Zip	38632-4007
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	KOKO REEF S-D SEC B LOT 111
Legal Range	09
Legal Township	03
Legal Section	29
Legal Subdivision	KOKO REEF S-D
Legal Lot Number	111
Jurisdiction	DESOTO MS
Minor Civil Division	4
Census Blockgroup	2
Census Block	2018
Census Tract	71200

Owner

Source: DeSoto County records · APN 3-09-9-29-01-0-00111-00

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	4997 KOKO REEF DR, HERNANDO, MS 38632-4007
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Doc Number	0000750539
Record Refreshed	Jun 08, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	4997 KOKO REEF DR, HERNANDO, MS 38632-4007
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004969/217
Date	Jun 17, 2020
Book Page	4969/217

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	SOUTHAVEN, MS 38671

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 26, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

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	$1,135.00 (+29.57%)	$17,196 (+46.17%) Land $1,000 Building $16,196	$171,959 (+46.17%) Land $10,000 Building $161,959
2023	$876.00	$11,764	$117,643 Land $10,000 Building $107,643

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 50% of Mississippi
Wildfire Likelihood	About 1 in 1,042 per year
Exposure	Direct burnable vegetation at the parcel

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