7197 Railroad Station, Hernando, MS 38632 Property Records

DeSoto County property record for 7197 Railroad Station, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,502 sqft · built 2014
Lot Size	1.52 acres (66,211 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,245 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4-07-3-07-02-0-00020-00`

Property Details

APN / Parcel Number

Primary APN	`4-07-3-07-02-0-00020-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	2,502 sqft Adjusted Area
1st Floor Area	1,478 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	66,211 sqft (1.52 acres)
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Patio Area	200 sqft

Location & Zoning

Street Address	7197 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 20
Legal Range	007
Legal Township	04S
Legal Section	07
Legal Subdivision	LOVE STATION S/D PHASE 1
Legal Phase	1
Legal Lot Number	20
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2010
Census Tract	71124

Owner

Source: DeSoto County records, as of October 13, 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	7197 RAILROAD STA, HERNANDO, MS 38632-8015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2017	Deed of Trust, Mortgage · Line of Credit MEMPHIS CITY EMPLOYEES CREDIT UNION
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEMPHIS CITY EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2014
Deed Sale	Sep 30, 2014
Prior Sale	May 30, 2014
Deed Book / Page	745 / 343
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	7197 RAILROAD STA, HERNANDO, MS 38632-8015
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170818010238020
Date	Aug 18, 2017
Instrument	20170818010238020

Lender

Name	MEMPHIS CITY EMPLOYEES CREDIT UNION
Address	MEMPHIS, TN 38115

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 17, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	7197 RAILROAD STA, HERNANDO, MS 38632-8015
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004952/722
Date	May 26, 2020
Book Page	4952/722

Lender

Name	MEMPHIS CITY EMPLOYEES CU
Type	Credit Union
Address	MEMPHIS, TN 38115

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

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	$2,245.00 (+20.83%)	$30,489 (+42.63%) Land $3,300 Building $27,189	$304,892 (+42.63%) Land $33,000 Building $271,892
2023	$1,858.00	$21,377	$213,770 Land $33,000 Building $180,770

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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