DeSoto County property record for 590 Southern St, Hernando, MS 38632
| Property Type | Commercial |
|---|---|
| Details | 1,008 sqft · built 2016 |
| Lot Size | 0.287 acres (12,508 sqft) |
| Owner | Company Name on File |
| Tax Bill | $951 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-6-13-00-3-00029-00 |
| Primary APN | 3-08-6-13-00-3-00029-00 |
|---|
| Building Area | 1,008 sqft Adjusted Area |
|---|---|
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Composition/Composite |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 12,508 sqft (0.287 acres) |
| Lot Dimensions | 185 ft deep x 70 ft wide |
| Street Address | 590 SOUTHERN ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | R-10 |
| Legal Description | PT E1/2 LOT 364 |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | SE |
| Legal Lot Number | 364 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 71124 |
Source: DeSoto County assessment roll, as of September 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2671 SCHOOL ST, HERNANDO, MS 38632-2737 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jun 2, 2017 | Deed of Trust, Mortgage GUARANTY BANK & TRUST CO |
| Jul 9, 2020 | Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jun 21, 2016 |
| Transfer Doc | 000795/367 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 590 SOUTHERN ST, HERNANDO, MS 38632 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 20170602010134160 |
|---|---|
| Date | Jun 2, 2017 |
| Instrument | 20170602010134160 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Amount | Amount Recorded |
|---|---|
| Term | 36 Months |
| Due | Jun 15, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 590 SOUTHERN ST, HERNANDO, MS 38632 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004987/775 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 4987/775 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 15, 2030 |
| Rate Type | Adjustable Rate |
|---|
Source: DeSoto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $951.00 (+11.75%) | $8,165 (+33.11%) Land $1,500 Building $6,665 | $54,431 (+33.1%) Land $10,000 Building $44,431 |
| 2023 | $851.00 | $6,134 | $40,894 Land $10,000 Building $30,894 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Feb 2011 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 41% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HERNANDO-JAYBIRD private · serves 6,750 people · EPA ID MS0170002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 232 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Telapex Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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