528 Fairway Oaks Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 528 Fairway Oaks Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,257 sqft · built 1997
Lot Size	0.155 acres (6,763 sqft)
Owner	Individual Name on Record
Last Sale	$312,386 (Jun 2026)
Tax Bill	$734 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-06-08-0-00134-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-06-08-0-00134-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,257 sqft Adjusted Area
1st Floor Area	1,919 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	6,763 sqft (0.155 acres)
Lot Dimensions	134 ft deep x 50 ft wide

Location & Zoning

Street Address	528 FAIRWAY OAKS DR
City	HERNANDO
State	MS
Zip	38632-7290
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	FAIRWAY OAKS S-D LOT 134
Legal Range	007
Legal Township	03S
Legal Section	06
Legal Subdivision	FAIRWAY OAKS S-D
Legal Lot Number	134
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1000
Census Tract	71001

Owner

Source: DeSoto County records, as of July 6, 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
Mailing Address	528 FAIRWAY OAKS DR, HERNANDO, MS 38632-7290
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTY BANK AND TRUST COMPANY
Aug 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2026 · Amount on Record
Deed Sale	Jun 19, 2026 · Amount on Record
Prior Sale	Mar 27, 2014 · Amount on Record
Deed Book / Page	1026 / 10740
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 19, 2026
Property Address	528 FAIRWAY OAKS DR, HERNANDO, MS 38632-7290
Document Number	1026010740
Book / Page	1026 / 10740
Instrument Date	Jun 11, 2026
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	REALITY TITLE, REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 FAIRWAY OAKS DR, HERNANDO, MS 38632-7290

Mortgage

Document Number	5663068719,
Date	Jun 19, 2026
Book Page	5663/68719

Lender

Name	GUARANTY BANK AND TRUST COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	528 FAIRWAY OAKS DR, HERNANDO, MS 38632-7290
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004582/675
Date	Aug 1, 2018
Book Page	4582/675
Instrument	T04582-00675

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 23, 2028

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Municipality	Hernando City
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$734.00 (-16.02%)	$13,803 (-) Land $2,500 Building $11,303	$138,028 (-) Land $25,000 Building $113,028
2023	$874.00	$13,803	$138,028 Land $25,000 Building $113,028

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
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	Low lower than 94% of the US · lower than 96% of Mississippi
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HERNANDO-JAYBIRD private · serves 6,750 people · EPA ID MS0170002
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
C Spire Wireless Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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