7166 Railroad Station, Hernando, MS 38632 Property Records

DeSoto County property record for 7166 Railroad Station, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,947 sqft · built 2015
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,078 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4-07-3-07-02-0-00016-00`

Property Details

APN / Parcel Number

Primary APN	`4-07-3-07-02-0-00016-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	2,947 sqft Adjusted Area
1st Floor Area	2,554 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)
Patio Area	360 sqft

Location & Zoning

Street Address	7166 RAILROAD STA
City	HERNANDO
State	MS
Zip	38632-8018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOVE STATION S/D PHASE 1 LOT 16
Legal Range	007
Legal Township	04S
Legal Section	07
Legal Subdivision	LOVE STATION S/D PHASE 1
Legal Phase	1
Legal Lot Number	16
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2011
Census Tract	71124

Owner

Source: DeSoto County records, as of May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7166 RAILROAD STA, HERNANDO, MS 38632-8018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK & TRUST CO
Jan 3, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2014
Deed Sale	Jul 28, 2014
Deed Book / Page	740 / 236
Last Transfer Date	Dec 10, 2021
Transfer Doc	000983/495
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	7166 RAILROAD STA, HERNANDO, MS 38632-8018
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7166 RAILROAD STA, HERNANDO, MS 38632-8018

Mortgage

Document Number	05663/7454
Date	Jan 22, 2026
Book Page	5663/7454

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 16, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	7166 RAILROAD STA, HERNANDO, MS 38632-8018
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	MID SOUTH TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004901/753
Date	Mar 11, 2020
Book Page	4901/753

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Jan 3, 2022
Property Address	7166 RAILROAD STA, HERNANDO, MS 38632-8018
Document Number	000983/495
Book / Page	983 / 495
Map Reference	MB 109 PG 28
Instrument Date	Dec 10, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	7166 RAILROAD STA, HERNANDO, MS 38632-8018

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	$2,078.00 (+16.55%)	$28,494 (+38.11%) Land $3,300 Building $25,194	$284,936 (+38.11%) Land $33,000 Building $251,936
2023	$1,783.00	$20,632	$206,317 Land $33,000 Building $173,317

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

May also be available: T-Mobile.

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