5871 Hwy 305 S, Hernando, MS 38632 Property Records

DeSoto County property record for 5871 Hwy 305 S, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	2,180 sqft · built 1961
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$281,300 (Jan 2022)
Tax Bill	$707 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-06-7-35-00-0-00010-00`

Property Details

APN / Parcel Number

Primary APN	`3-06-7-35-00-0-00010-00`

Interior

Stories	1 Story
Building Area	2,180 sqft Adjusted Area
1st Floor Area	1,618 sqft
Interior Walls	Plywood

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	43,560 sqft (1 acres)

Location & Zoning

Street Address	5871 HIGHWAY 305 S
City	HERNANDO
State	MS
Zip	38632-9334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	35-3-6 PT SW 1/4
Legal Range	006
Legal Township	03S
Legal Section	35
Legal Lot Number	10
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1025
Census Tract	70900

Owner

Source: DeSoto County records, as of June 11, 2026

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 Record
Mailing Address	5871 HIGHWAY 305 S, HERNANDO, MS 38632-9334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Nov 4, 2020	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO
Jan 20, 2022	Warranty Deed, Transfer · VA Mortgage GUARANTY BANK & TRUST CO
Dec 26, 2018	Warranty Deed, Transfer · Line of Credit GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2022 · Amount on Record
Deed Sale	Jan 20, 2022 · Amount on Record
Prior Sale	Dec 26, 2018 · Amount on Record
Deed Book / Page	985 / 392
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5871 HIGHWAY 305 S, HERNANDO, MS 38632-9334
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5871 HIGHWAY 305 S, HERNANDO, MS 38632-9334

Mortgage

Document Number	5662/115985
Date	Nov 6, 2025
Book Page	5662/115985

Lender

Name	RENASANT BANK
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 25, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	5871 HIGHWAY 305 S, HERNANDO, MS 38632-9334
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2236 JAYBIRD RD, HERNANDO, MS 38632-9319

Mortgage

Document Number	005082/460
Date	Nov 4, 2020
Book Page	5082/460

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 10, 2025

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 20, 2022
Property Address	5871 HIGHWAY 305 S, HERNANDO, MS 38632-9334
Document Number	000985/392
Book / Page	985 / 392
Instrument Date	Jan 19, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2236 JAYBIRD RD, 2236, HERNANDO, MS 38632-9319

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5871 HIGHWAY 305 S, HERNANDO, MS 38632-9334

Mortgage

Document Number	0005447773
Date	Jan 20, 2022
Instrument	5447/773

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Dec 26, 2018
Property Address	5871 HIGHWAY 305 S, HERNANDO, MS 38632-9334
Document Number	000876/324
Book / Page	0876 / 324
Instrument Date	Dec 21, 2018
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	EDCO TITLE AND CLOSING SERVICES, EDCO TITLE & CLOSING SERVICE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 ROYAL OAKS DR, 316, BRIGHTON, TN 38011-6333

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 THOUSAND OAKS DR, HERNANDO, MS 38632-8900

Mortgage

Document Number	0004657153
Date	Dec 26, 2018
Instrument	4657/153

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 25, 2019

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	$707.00 (+22.53%)	$12,216 (+39.13%) Land $1,100 Building $11,116	$122,161 (+39.14%) Land $11,000 Building $111,161
2023	$577.00	$8,780	$87,796 Land $11,000 Building $76,796

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 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding

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 56% of the US · above 69% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000

5871 Hwy 305 S, Hernando, MS 38632 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Hwy 305 S

Nearby Streets

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