7202 Railroad Station, Hernando, MS 38632 Property Records

DeSoto County property record for 7202 Railroad Station, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,788 sqft · built 2024
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Tax Bill	$2,675 (2025)
Deeds & Mortgages	Jul 2017 Construction Loan Mar 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4-07-3-07-02-0-00015-00`

Property Details

APN / Parcel Number

Primary APN	`4-07-3-07-02-0-00015-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,788 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	65,340 sqft (1.5 acres)

Location & Zoning

Street Address	7202 RAILROAD STA
City	HERNANDO
State	MS
Zip	38632-8906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOVE STATION S/D PHASE 1 LOT 15
Legal Range	07
Legal Township	04
Legal Section	07
Legal Subdivision	LOVE STATION S/D PHASE 1
Legal Phase	1
Legal Lot Number	15
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2011
Census Tract	71124

Owner

7202 Railroad Station is owned and occupied by an individual who acquired it in April 2020.

Source: DeSoto County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	7202 RAILROAD STA, HERNANDO, MS 38632-8906
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST COMMERCIAL BANK
Mar 15, 2024	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Apr 7, 2020	Warranty Deed, Transfer
Nov 2, 2018	Warranty Deed, Transfer · Commercial Mortgage BANKPLUS LOAN OPERATION
Jul 6, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2020
Deed Sale	Apr 7, 2020
Prior Sale	Nov 2, 2018
Deed Document Number	0000916589
Deed Book / Page	916 / 589
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	7202 RAILROAD STA, HERNANDO, MS 38632-8906
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170713010201930
Date	Jul 13, 2017
Instrument	20170713010201930

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank
Address	SOUTHAVEN, MS 38672

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Jun 29, 2018

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	7202 RAILROAD STA, HERNANDO, MS 38632-8906
Transaction Type	Mortgage
Record Updated	Dec 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2695 BROOK BRIDGE CV, GERMANTOWN, TN 38138-6256

Mortgage

Document Number	5661/22687
Date	Mar 15, 2024
Book Page	5661/22687

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 8, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 7, 2020
Property Address	7202 RAILROAD STA, HERNANDO, MS 38632-8906
Document Number	000916/589
Book / Page	916 / 589
Map Reference	MB 109 PG 28
Instrument Date	Mar 27, 2020
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2925 BRIARWOOD DR, HORN LAKE, MS 38637-1717

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2695 BROOK BRIDGE CV, GERMANTOWN, TN 38138-6256

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Nov 2, 2018
Property Address	7202 RAILROAD STA, HERNANDO, MS 38632-8906
Document Number	000872/186
Book / Page	0872 / 186
Map Reference	MB 109 PG 28
Instrument Date	Oct 31, 2018
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 59, HERNANDO, MS 38632-0059

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2925 BRIARWOOD DR, HORN LAKE, MS 38637-1717

Mortgage

Document Number	0004631214
Date	Nov 2, 2018
Instrument	4631/214

Lender

Name	BANKPLUS LOAN OPERATION
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 31, 2023

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 6, 2017
Property Address	7202 RAILROAD STA, HERNANDO, MS 38632-8906
Document Number	20170706010195910
Map Reference	PL 19 PG 28
Instrument Date	Jun 27, 2017
Instrument	20170706010195910
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	417 ST ANDREWS DR, BELLEAIR, FL 33756-1935

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 59, HERNANDO, MS 38632-0059

Tax Assessment & Valuation

The 2025 property tax bill for 7202 Railroad Station was $2,675.

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	$2,675.00	$39,543 Land $3,300 Building $36,243	$395,432 Land $33,000 Building $362,432
2023	$499.00	$4,950	$33,000 Land $33,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7202 Railroad Station in Zone X, an area of minimal flood risk.

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

Wildfire risk around 7202 Railroad Station is moderate, ranking above 53% of the US, with a 0.1% annual chance of 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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