5837 Merchants Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 5837 Merchants Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 6,455 sqft · built 2009
Lot Size	4.67 acres (203,425 sqft)
Owner	Individual Name on Record
Tax Bill	$7,438 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-8-33-01-0-00020-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-8-33-01-0-00020-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	6,455 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	203,425 sqft (4.67 acres)

Location & Zoning

Street Address	5837 MERCHANTS CV
City	HERNANDO
State	MS
Zip	38632-9677
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	GRAYS CREEK S/D 1ST REV LOT 20
Legal Range	07
Legal Township	03
Legal Section	33
Legal Subdivision	GRAYS CREEK S/D
Legal Lot Number	20
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
Mailing Address	5837 MERCHANTS CV, HERNANDO, MS 38632-9677
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2016
Deed Sale	Oct 19, 2016
Prior Sale	May 6, 2015
Deed Document Number	0000806304
Deed Book / Page	0806 / 304
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5837 MERCHANTS CV, HERNANDO, MS 38632-9677
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	QUALITY TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5837 MERCHANTS CV, HERNANDO, MS 38632-9677

Mortgage

Document Number	005052/753
Date	Sep 29, 2020
Book Page	5052/753

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$7,438.00 (+16.31%)	$89,098 (+40.68%) Land $6,500 Building $82,598	$890,977 (+40.68%) Land $65,000 Building $825,977
2023	$6,395.00	$63,333	$633,329 Land $65,000 Building $568,329

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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