5239 Reserve Way, Hernando, MS 38632 Property Records

DeSoto County property record for 5239 Reserve Way, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,873 sqft · built 2024
Lot Size	0.756 acres (32,914 sqft)
Owner	2 Individual Names on File
Last Sale	$617,120 (Dec 2024)
Tax Bill	$3,727 (2025)
Deeds & Mortgages	Aug 2024 Line of Credit Dec 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-1-01-03-0-00021-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-1-01-03-0-00021-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,873 sqft Adjusted Area
1st Floor Area	2,147 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Shingle
Lot Area	32,914 sqft (0.756 acres)

Location & Zoning

Street Address	5239 RESERVE WAY
City	HERNANDO
State	MS
Zip	38632-1072
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	THE RESERVE AT CAMP CREEK PH 1 LOT 21
Legal Range	007
Legal Township	03S
Legal Section	01
Legal Subdivision	RESERVE AT CAMP CREEK PH 1
Legal Phase	1
Legal Lot Number	21
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1018
Census Tract	71002

Owner

Source: DeSoto County assessment roll, as of December 15, 2025

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
Mailing Address	5239 RESERVE WAY, HERNANDO, MS 38632-1072
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2024	Deed of Trust, Mortgage · Line of Credit BANKPLUS
Dec 31, 2024	Warranty Deed, Transfer · Conventional Mortgage RBC BANK USA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 31, 2024 · Amount on Record
Deed Sale	Dec 31, 2024 · Amount on Record
Deed Book / Page	1024 / 24231
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5239 RESERVE WAY, HERNANDO, MS 38632-1072
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 STEELE RD, HERNANDO, MS 38632-7202

Mortgage

Document Number	5661/75485
Date	Aug 7, 2024
Book Page	5661/75485

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	14 Months
Due	Oct 7, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 31, 2024
Property Address	5239 RESERVE WAY, HERNANDO, MS 38632-1072
Document Number	1024/24231
Book / Page	1024 / 24231
Map Reference	MB 140 PG 33
Instrument Date	Dec 31, 2024
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 STEELE RD, HERNANDO, MS 38632-7202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5239 RESERVE WAY, HERNANDO, MS 38632-1072

Mortgage

Document Number	5661131417
Date	Dec 31, 2024
Instrument	5661/131417

Lender

Name	RBC BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	7.98%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.8%

Tax Assessment & Valuation

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	$3,727.00	$48,235 Land $4,500 Building $43,735	$482,350 Land $45,000 Building $437,350

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

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 54% of the US · above 64% 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.

Nearby Properties on Reserve Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures