5322 Grays Valley Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 5322 Grays Valley Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,735 sqft · built 2023
Lot Size	1.92 acres (83,635 sqft)
Owner	Individual Name on Record
Tax Bill	$3,677 (2025)
Deeds & Mortgages	Jan 2026 Sale Sep 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-8-33-03-0-00020-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-8-33-03-0-00020-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,735 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	83,635 sqft (1.92 acres)
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	5322 GRAYS VALLEY DR
City	HERNANDO
State	MS
Zip	38632-9190
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	ESTATES OF GRAYS VALLEY SEC B LOT 20
Legal Subdivision	ESTATES OF GRAYS VALLEY
Legal Lot Number	20
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2038
Census Tract	71002

Owner

Source: DeSoto County records, as of February 3, 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	5322 GRAYS VALLEY DR, HERNANDO, MS 38632-9190
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Warranty Deed, Transfer UNKNOWN, GUARDIAN TITLE LLC
Sep 26, 2022	Deed of Trust, Mortgage · Construction Mortgage SOUTHERN BANCORP BANK
May 15, 2023	Warranty Deed, Subdivision Related Transfer NOT AVAILABLE, GUARDIAN TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2026
Deed Sale	Jan 22, 2026
Prior Sale	May 15, 2023
Deed Document Number	0010261152
Deed Book / Page	1026 / 1152
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 22, 2026
Property Address	5322 GRAYS VALLEY DR, HERNANDO, MS 38632-9190
Document Number	01026/1152
Book / Page	1026 / 1152
Map Reference	MB 140 PG 35
Instrument Date	Jan 15, 2026
Transaction Type	Transfer
Record Updated	Feb 4, 2026
Title Company	UNKNOWN, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1965 RIVER VISTA CIR, SEVIERVILLE, TN 37876-4416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5322 GRAYS VALLEY DR, HERNANDO, MS 38632-9190

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5322 GRAYS VALLEY DR, HERNANDO, MS 38632-9190
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 851, MINERAL WELLS, MS 38654-0851

Mortgage

Document Number	005607/539
Date	Sep 26, 2022
Book Page	5607/539

Lender

Name	SOUTHERN BANCORP BANK
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 15, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 15, 2023
Property Address	5322 GRAYS VALLEY DR, HERNANDO, MS 38632-9190
Document Number	01023/7947
Book / Page	1023 / 7947
Map Reference	MB 140 PG 35
Instrument Date	May 12, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 15, 2023
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5322 GRAYS VALLEY DR, HERNANDO, MS 38632-9190

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	$3,677.00	$47,645 Land $5,000 Building $42,645	$476,452 Land $50,000 Building $426,452

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 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 51% of the US · above 57% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BELMONT WATER ASSOCIATION public/private · serves 2,719 people · EPA ID MS0170001
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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