5828 Merchants Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 5828 Merchants Cv, Hernando, MS 38632

Property Summary

Property Type	Vacant Land
Lot Size	2.19 acres (95,396 sqft)
Owner	Individual Name on Record
Tax Bill	$814 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-8-33-01-0-00019-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-8-33-01-0-00019-00`

Exterior

Lot Area	95,396 sqft (2.19 acres)

Location & Zoning

Street Address	5828 MERCHANTS CV
City	HERNANDO
State	MS
Zip	38632-9675
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	A
Legal Description	GRAYS CREEK S/D 1ST REV LOT 19
Legal Range	07
Legal Township	03
Legal Section	33
Legal Subdivision	GRAYS CREEK S/D
Legal Lot Number	19
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2057
Census Tract	71002

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	3821 MARCIA LOUISE DR, SOUTHAVEN, MS 38672-9135
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Warranty Deed, Transfer · Line of Credit BANCORPSOUTH BANK
Sep 4, 2019	Warranty Deed, Transfer · Commercial Mortgage BANKPLUS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021
Deed Sale	Dec 13, 2021
Prior Sale	Sep 4, 2019
Deed Document Number	0000981416
Deed Book / Page	981 / 416
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 13, 2021
Property Address	HERNANDO, MS 38632
Document Number	000981/416
Book / Page	981 / 416
Map Reference	MB 109 PG 6
Instrument Date	Nov 24, 2021
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1926 ROBERTSON RD, 1926, HERNANDO, MS 38632-1530

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3821 MARCIA LOUISE DR, SOUTHAVEN, MS 38672-9135

Mortgage

Document Number	0005418713
Date	Dec 13, 2021
Instrument	5418/713

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 3, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Sep 4, 2019
Property Address	HERNANDO, MS 38632
Document Number	000898/481
Book / Page	0898 / 481
Map Reference	MB 109 PG 166
Instrument Date	Aug 29, 2019
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2844 CYRENE DR, 2844, HERNANDO, MS 38632-9691

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5461 E POINTE DR, SOUTHAVEN, MS 38672-6649

Mortgage

Document Number	0004792001
Date	Sep 4, 2019
Instrument	4792/001

Lender

Name	BANKPLUS
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 5, 2024

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	$814.00 (-17.28%)	$9,750 (-) Land $9,750	$65,000 (-) Land $65,000
2023	$984.00	$9,750	$65,000 Land $65,000

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 43% of the US · lower than 60% of Mississippi
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Merchants Cv

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