7145 Railroad Station, Hernando, MS 38632 Property Records

DeSoto County property record for 7145 Railroad Station, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,967 sqft · built 2015
Lot Size	1.51 acres (65,776 sqft)
Owner	Individual Name on Record
Tax Bill	$3,067 (2025)
Deeds & Mortgages	May 2017 Construction Loan Jun 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4-07-3-07-02-0-00019-00`

Property Details

APN / Parcel Number

Primary APN	`4-07-3-07-02-0-00019-00`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	3,967 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,776 sqft (1.51 acres)
Pool Area	648 sqft
Patio Area	640 sqft

Location & Zoning

Street Address	7145 RAILROAD STA
City	HERNANDO
State	MS
Zip	38632-8015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOVE STATION S/D PHASE 1 LOT 19
Legal Range	07
Legal Township	04
Legal Section	07
Legal Subdivision	LOVE STATION S/D PHASE 1
Legal Phase	1
Legal Lot Number	19
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2010
Census Tract	71124

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	7145 RAILROAD STA, HERNANDO, MS 38632-8015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2017	Deed of Trust, Mortgage · Construction Mortgage GUARANTY BANK & TRUST CO
Jun 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK
Jun 9, 2020	Deed of Trust, Mortgage GUARANTY BANK & TRUST CO
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2015
Deed Sale	Jun 3, 2015
Deed Document Number	0000764283
Deed Book / Page	0764 / 283
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	7145 RAILROAD STA, HERNANDO, MS 38632-8015
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004344/202
Date	May 2, 2017
Book Page	4344/202

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 5, 2018

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	7145 RAILROAD STA, HERNANDO, MS 38632-8015
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004556/71
Date	Jun 11, 2018
Book Page	4556/71
Instrument	T04556-00071

Lender

Name	GUARANTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2028

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	7145 RAILROAD STA, HERNANDO, MS 38632-8015
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004963/502
Date	Jun 9, 2020
Book Page	4963/502

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded
Term	10 Months
Due	Apr 5, 2021

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	7145 RAILROAD STA, HERNANDO, MS 38632-8015
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7145 RAILROAD STA, HERNANDO, MS 38632-8015

Mortgage

Document Number	005150/220
Date	Feb 1, 2021
Book Page	5150/220

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

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	$3,067.00 (+20.27%)	$40,334 (+42.88%) Land $3,300 Building $37,034	$403,338 (+42.88%) Land $33,000 Building $370,338
2023	$2,550.00	$28,229	$282,291 Land $33,000 Building $249,291

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

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 53% of the US · above 62% of Mississippi
Wildfire Likelihood	0.1% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, T-Mobile.

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