5240 Camp Crossing Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 5240 Camp Crossing Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,286 sqft · built 2024
Owner	2 Individual Names on Record
Tax Bill	$422 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit May 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-1-01-04-0-00044-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-1-01-04-0-00044-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,286 sqft Adjusted Area
1st Floor Area	1,896 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

Location & Zoning

Street Address	5240 CAMP CROSSING RD
City	HERNANDO
State	MS
Zip	38632-1381
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	THE RESERVE AT CAMP CREEK PH 2 LOT 44
Legal Range	007
Legal Township	03S
Legal Section	01
Legal Subdivision	RESERVE AT CAMP CREEK PHASE 2 SITUATED
Legal Phase	2
Legal Lot Number	44
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1018
Census Tract	71002

Owner

Source: DeSoto County records, as of March 30, 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 Record
Mailing Address	5240 CAMP CROSSING RD, HERNANDO, MS 38632-1381
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2025	Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF MERIDIAN
May 30, 2025	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THE CITIZENS NATIONAL BANK OF MERID
Jan 5, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025
Deed Sale	May 30, 2025
Prior Sale	Jan 5, 2024
Deed Book / Page	1025 / 10513
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5240 CAMP CROSSING RD, HERNANDO, MS 38632-1381
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5240 CAMP CROSSING RD, HERNANDO, MS 38632-1381

Mortgage

Document Number	5662/85848
Date	Aug 22, 2025
Book Page	5662/85848

Lender

Name	THE CITIZENS NATIONAL BANK OF MERIDIAN
Type	Bank
Address	SOUTHAVEN, MS 38671

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 30, 2025
Property Address	5240 CAMP CROSSING RD, HERNANDO, MS 38632-1381
Document Number	1025/10513
Book / Page	1025 / 10513
Instrument Date	May 23, 2025
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 15, 2025
Title Company	REALITY TITLE, REALTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3467 MACON RD, MEMPHIS, TN 38122-2004

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5240 CAMP CROSSING RD, HERNANDO, MS 38632-1381

Mortgage

Document Number	0566252193
Date	May 30, 2025
Instrument	5662/52193

Lender

Name	THE CITIZENS NATIONAL BANK OF MERID
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.34%
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	4.34%
Max Rate At Change	8.34%
Index	1-Year T-Bill
Max Rate	13.4%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 5, 2024
Property Address	5240 CAMP CROSSING RD, HERNANDO, MS 38632-1381
Document Number	001024/353
Book / Page	1024 / 353
Map Reference	MB 146 PG 28
Instrument Date	Jan 4, 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	190 MOTOR SCOOTER DR, NESBIT, MS 38651-9219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6689 FARM CV, OLIVE BRANCH, MS 38654-2559

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	$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 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.

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