5861 Belmont Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 5861 Belmont Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 4,541 sqft · built 2019
Lot Size	1.98 acres (86,249 sqft)
Owner	2 Individual Names on File
Last Sale	$814,957 (Apr 2025)
Tax Bill	$4,374 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2019 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-9-31-07-0-00012-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-9-31-07-0-00012-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	4,541 sqft Adjusted Area
1st Floor Area	2,688 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood
Construction Type	Frame
Roof Material	Shingle
Lot Area	86,249 sqft (1.98 acres)
Garage Area	1,320 sqft
Parking Spaces	5 Parking Spaces
Pool Area	648 sqft

Location & Zoning

Street Address	5861 BELMONT RD
City	HERNANDO
State	MS
Zip	38632-9013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	BELMONT PARK LOT 12
Legal Range	007
Legal Township	03S
Legal Section	31
Legal Subdivision	BELMONT PARK
Legal Lot Number	12
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2004
Census Tract	71124

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	5861 BELMONT RD, HERNANDO, MS 38632-9013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage SELECT TITLE
Sep 16, 2019	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY BANK OF MISSISSIPPI
Jan 6, 2020	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Mar 6, 2019	Warranty Deed, Construction Loan · Construction Mortgage COMMUNITY BANK OF MISSISSIPPI

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 7, 2025 · Amount on Record
Deed Sale	Apr 7, 2025 · Amount on Record
Prior Sale	Dec 3, 2024 · Amount on Record
Deed Book / Page	1025 / 6534
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Recording Date	Apr 13, 2026
Property Address	5861 BELMONT RD, HERNANDO, MS 38632-9013
Document Number	5663039187
Book / Page	5663 / 39187
Instrument Date	Apr 7, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SELECT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5861 BELMONT RD, HERNANDO, MS 38632-9013

Mortgage

Document Number	5663039187,
Date	Apr 13, 2026
Book Page	5663/39187

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5861 BELMONT RD, HERNANDO, MS 38632-9013
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004798/121
Date	Sep 16, 2019
Book Page	4798/121

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	BRANDON, MS 39042

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Mar 15, 2020

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 6, 2020
Property Address	5861 BELMONT RD, HERNANDO, MS 38632-9013
Document Number	000908/569
Book / Page	0908 / 569
Map Reference	MB 118 PG 34
Instrument Date	Dec 30, 2019
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	PO BOX 827, HERNANDO, MS 38632-0827

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5861 BELMONT RD, HERNANDO, MS 38632-9013

Mortgage

Document Number	0004864565
Date	Jan 6, 2020
Instrument	4864/565

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

March 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 6, 2019
Property Address	5861 BELMONT RD, HERNANDO, MS 38632-9013
Document Number	000882/119
Book / Page	0882 / 119
Map Reference	MB 118 PG 34
Instrument Date	Mar 4, 2019
Transaction Type	Construction Loan
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4178 BLACKSMITH CV, MEMPHIS, TN 38125-2611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 827, HERNANDO, MS 38632-0827
Investor	Possibly a Property Investor

Mortgage

Document Number	0004687357
Date	Mar 6, 2019
Instrument	4687/357

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 5, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 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	$4,374.00 (+27.56%)	$52,398 (+41.87%) Land $3,800 Building $48,598	$523,983 (+41.87%) Land $38,000 Building $485,983
2023	$3,429.00	$36,934	$369,335 Land $38,000 Building $331,335

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

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 57% of the US · above 72% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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 27 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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