5077 Reserve Way, Hernando, MS 38632 Property Records

DeSoto County property record for 5077 Reserve Way, Hernando, MS 38632

Property Summary

Property Type	Vacant Land
Lot Size	0.702 acres (30,600 sqft)
Owner	Individual Name on Record
Tax Bill	$422 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-1-01-03-0-00014-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-1-01-03-0-00014-00`

Interior

Interior Walls	Wallboard/Drywall

Exterior

Roof Type	Gable
Lot Area	30,600 sqft (0.702 acres)

Location & Zoning

Street Address	5077 RESERVE WAY
City	HERNANDO
State	MS
Zip	38632-1071
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	PUD
Legal Description	THE RESERVE AT CAMP CREEK PH 1 LOT 14
Legal Subdivision	RESERVE AT CAMP CREEK PH 1
Legal Phase	1
Legal Lot Number	14
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1018
Census Tract	71002

Owner

Source: DeSoto County records, as of February 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	5077 RESERVE WAY, HERNANDO, MS 38632-1071
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK
Dec 29, 2025	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
May 1, 2025	Warranty Deed, Construction Loan

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 29, 2025
Deed Sale	Dec 29, 2025
Prior Sale	May 1, 2025
Deed Document Number	0102524893
Deed Book / Page	1025 / 24893
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5077 RESERVE WAY, HERNANDO, MS 38632-1071
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5077 RESERVE WAY, HERNANDO, MS 38632-1071

Mortgage

Document Number	5662/135981
Date	Dec 29, 2025
Book Page	5662/135981

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jan 20, 2013
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

December 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 29, 2025
Property Address	5077 RESERVE WAY, HERNANDO, MS 38632-1071
Document Number	1025/24893
Book / Page	1025 / 24893
Map Reference	MB 140 PG 33
Instrument Date	Nov 3, 2025
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 3, 2026
Title Company	UNKNOWN, TITAN TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1051 HICKORY RIDGE DR, HERNANDO, MS 38632-7671

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5077 RESERVE WAY, HERNANDO, MS 38632-1071

Mortgage

Document Number	5662135981
Date	Dec 29, 2025
Instrument	5662/135981

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jan 20, 2013
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

May 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 1, 2025
Property Address	5077 RESERVE WAY, HERNANDO, MS 38632-1071
Document Number	01025/8283
Book / Page	1025 / 8283
Map Reference	MB 140 PG 33
Instrument Date	Apr 29, 2025
Transaction Type	Construction Loan
Record Updated	Jan 12, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 665, HERNANDO, MS 38632-0665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 HICKORY RIDGE DR, HERNANDO, MS 38632-7671

Tax Assessment & Valuation

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	$422.00	$5,063 Land $5,063	$33,750 Land $33,750

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
Nearby Flood Policies	5 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 53% of the US · above 63% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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