5426 Belmont Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 5426 Belmont Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 4,265 sqft · built 2015
Lot Size	1.67 acres (73,181 sqft)
Owner	Individual Name on Record
Tax Bill	$3,302 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-9-31-05-0-00010-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-9-31-05-0-00010-00`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	4,265 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	73,181 sqft (1.67 acres)
Pool Area	648 sqft
Patio Area	496 sqft

Location & Zoning

Street Address	5426 BELMONT RD
City	HERNANDO
State	MS
Zip	38632-7482
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	BELMONT ESTATES LOT 10
Legal Range	07
Legal Township	03
Legal Section	31
Legal Subdivision	BELMONT ESTATES
Legal Lot Number	10
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2009
Census Tract	71124

Owner

Source: DeSoto County records, as of December 22, 2025

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
Co-owner	Co-owner on Record
Mailing Address	5426 BELMONT RD, HERNANDO, MS 38632-7482
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
May 26, 2020	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2015
Deed Sale	Jun 4, 2015
Deed Document Number	0000764376
Deed Book / Page	0764 / 376
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5426 BELMONT RD, HERNANDO, MS 38632-7482
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5426 BELMONT RD, HERNANDO, MS 38632-7482

Mortgage

Document Number	5662/111189
Date	Oct 27, 2025
Book Page	5662/111189

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	SOUTHAVEN, MS 38672

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5426 BELMONT RD, HERNANDO, MS 38632-7482
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2436 SWINNEA RD, NESBIT, MS 38651-9414

Mortgage

Document Number	0005136/77
Date	Jan 15, 2021
Book Page	5136/77

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5426 BELMONT RD, HERNANDO, MS 38632-7482
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004952/570
Date	May 26, 2020
Book Page	4952/570

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	CHATAWA, MS 39632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 26, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5426 BELMONT RD, HERNANDO, MS 38632-7482
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SELECT TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5426 BELMONT RD, HERNANDO, MS 38632-7482

Mortgage

Document Number	005096/733
Date	Nov 23, 2020
Book Page	5096/733

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank
Address	LITTLE ROCK, AR 72211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$3,302.00 (+19.9%)	$43,152 (+42.67%) Land $3,500 Building $39,652	$431,522 (+42.67%) Land $35,000 Building $396,522
2023	$2,754.00	$30,246	$302,456 Land $35,000 Building $267,456

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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