5115 Fogg Rd S, Hernando, MS 38632 Property Records

DeSoto County property record for 5115 Fogg Rd S, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,814 sqft · built 2012
Lot Size	8.38 acres (365,033 sqft)
Owner	Individual Name on File
Last Sale	$564,100 (Aug 2020)
Tax Bill	$1,795 (2025)
Deeds & Mortgages	Sep 2017 Construction Loan Sep 2019 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-9-31-00-0-00003-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-9-31-00-0-00003-00`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	3,814 sqft Adjusted Area
1st Floor Area	2,996 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Hip
Roof Material	Shingle
Lot Area	365,033 sqft (8.38 acres)
Pool Area	512 sqft
Patio Area	448 sqft

Location & Zoning

Street Address	5115 FOGG RD S
City	HERNANDO
State	MS
Zip	38632-7901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	31-3-8 PT NW1/4
Legal Range	008
Legal Township	03S
Legal Section	31
Legal Subdivision	JEFF BARHAM PROPERTY
Legal Lot Number	3
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2028
Census Tract	71123

Owner

5115 Fogg Rd S is owned and occupied by an individual who bought it in August 2020.

Source: DeSoto County records, as of December 23, 2025

Owner of Record	Individual Name on File
Mailing Address	5115 FOGG RD S, HERNANDO, MS 38632-7901
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 8, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST FINANCIAL BANK
Sep 12, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUARANTY BANK & TRUST CO
Sep 17, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST FINANCIAL BANK
Aug 12, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2020 · Amount on File
Deed Sale	Aug 12, 2020 · Amount on File
Deed Book / Page	928 / 370
Prior Transfer Date	Apr 2, 2015
Prior Transfer Doc	000761/109
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5115 FOGG RD S, HERNANDO, MS 38632-7901
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170908010258060
Date	Sep 8, 2017
Instrument	20170908010258060

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	SENATOBIA, MS 38668

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Aug 3, 2018

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5115 FOGG RD S, HERNANDO, MS 38632-7901
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004795/763
Date	Sep 12, 2019
Book Page	4795/763

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	SENATOBIA, MS 38668

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 25, 2020

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5115 FOGG RD S, HERNANDO, MS 38632-7901
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004798/561
Date	Sep 17, 2019
Book Page	4798/561

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	SENATOBIA, MS 38668

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 9, 2020

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 12, 2020
Property Address	5115 FOGG RD S, HERNANDO, MS 38632-7901
Document Number	000928/370
Book / Page	928 / 370
Instrument Date	Aug 3, 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 870, HERNANDO, MS 38632-0870

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5115 FOGG RD S, HERNANDO, MS 38632-7901

Mortgage

Document Number	0005013688
Date	Aug 12, 2020
Instrument	5013/688

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 5115 Fogg Rd S was $1,795.

Source: DeSoto County assessment roll, as of December 15, 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	$1,795.00	$29,262 Land $2,933 Building $26,329	$292,617 Land $29,330 Building $263,287
2023	$2,175.00	$29,262	$292,617 Land $29,330 Building $263,287

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 5115 Fogg Rd S 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 5115 Fogg Rd S is moderate, ranking above 56% 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 56% of the US · above 68% 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 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

4G LTE (outdoors only), no 5G reported

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