70 W Valley St, Hernando, MS 38632 Property Records

DeSoto County property record for 70 W Valley St, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,539 sqft · built 2000
Lot Size	0.496 acres (21,629 sqft)
Owner	Individual Name on Record
Tax Bill	$2,275 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Mar 2017 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-13-00-1-00053-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-13-00-1-00053-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,539 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Shingle
Lot Area	21,629 sqft (0.496 acres)
Lot Dimensions	190 ft deep x 128 ft wide

Location & Zoning

Street Address	70 W VALLEY ST
City	HERNANDO
State	MS
Zip	38632-1924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Description	13-3-8 PT. LOT 406 HERNANDO INC
Legal Range	08
Legal Township	03
Legal Section	13
Legal Quarter	NW
Legal Subdivision	HERNANDO INC
Legal Lot Number	406
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1077
Census Tract	71122

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	70 W VALLEY ST, HERNANDO, MS 38632-1924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2018	Deed of Trust, Mortgage · VA Mortgage MANGOLIA BANK INC
Mar 8, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK & TRUST CO
Mar 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Jun 22, 2022	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO
May 3, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTY BANK & TRUST CO
Mar 16, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2021
Deed Sale	May 3, 2021
Prior Sale	Mar 16, 2018
Deed Document Number	0000956512
Deed Book / Page	956 / 512
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	70 W VALLEY ST, HERNANDO, MS 38632-1924
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004484/451
Date	Jan 25, 2018
Book Page	4484/451
Instrument	T04484-00451

Lender

Name	MANGOLIA BANK INC
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	70 W VALLEY ST, HERNANDO, MS 38632-1924
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004314/557
Date	Mar 8, 2017
Book Page	4314/557

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2047

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	70 W VALLEY ST, HERNANDO, MS 38632-1924
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005138/261
Date	Jan 19, 2021
Book Page	5138/261

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank
Address	LITTLE ROCK, AR 72211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	70 W VALLEY ST, HERNANDO, MS 38632-1924
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004507/687
Date	Mar 16, 2018
Book Page	4507/687
Instrument	T04507-00687

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	70 W VALLEY ST, HERNANDO, MS 38632-1924
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 W VALLEY ST, HERNANDO, MS 38632-1924

Mortgage

Document Number	005554/134
Date	Jun 22, 2022
Book Page	5554/134

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Jun 10, 2029

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 3, 2021
Property Address	70 W VALLEY ST, HERNANDO, MS 38632-1924
Document Number	000956/512
Book / Page	956 / 512
Instrument Date	May 3, 2021
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 THE LEE WAY, 112, GUN BARREL CITY, TX 75156-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	70 W VALLEY ST, HERNANDO, MS 38632-1924

Mortgage

Document Number	0005228463
Date	May 3, 2021
Instrument	5228/463

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 16, 2018
Property Address	70 W VALLEY ST, HERNANDO, MS 38632-1924
Document Number	000850/707
Book / Page	0850 / 707
Instrument Date	Mar 16, 2018
Instrument	W00850-00707
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3535 WILLIAMS BROOKE LN, 3535, HERNANDO, MS 38632-9796

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 W VALLEY ST, HERNANDO, MS 38632-1924

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Municipality	Hernando City
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,275.00 (+18.68%)	$22,106 (+38.32%) Land $2,374 Building $19,732	$221,063 (+38.32%) Land $23,744 Building $197,319
2023	$1,917.00	$15,982	$159,822 Land $23,744 Building $136,078

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
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	Low lower than 64% of the US · lower than 81% of Mississippi
Wildfire Likelihood	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: C Spire Wireless.

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