739 Mossy Oak Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 739 Mossy Oak Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,996 sqft · built 2006
Lot Size	0.338 acres (14,714 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,900 (Jan 2021)
Tax Bill	$1,816 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-06-18-0-00226-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-06-18-0-00226-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,996 sqft Adjusted Area
1st Floor Area	1,594 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Shingle
Lot Area	14,714 sqft (0.338 acres)
Lot Dimensions	171 ft deep x 146 ft wide

Location & Zoning

Street Address	739 MOSSY OAK CV
City	HERNANDO
State	MS
Zip	38632-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Description	DEER CREEK SEC G LOT 226
Legal Range	007
Legal Township	03S
Legal Section	06
Legal Subdivision	DEER CREEK
Legal Lot Number	226
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1019
Census Tract	71121

Owner

Source: DeSoto County records, as of June 30, 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	739 MOSSY OAK CV, HERNANDO, MS 38632-1440
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FEDERAL CREDIT UNION
Jan 5, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2021 · Amount on Record
Deed Sale	Jan 5, 2021 · Amount on Record
Deed Book / Page	944 / 189
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Recording Date	Jun 12, 2026
Property Address	739 MOSSY OAK CV, HERNANDO, MS 38632-1440
Document Number	5663066282
Book / Page	5663 / 66282
Instrument Date	May 28, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	739 MOSSY OAK CV, HERNANDO, MS 38632-1440

Mortgage

Document Number	5663066282,
Date	Jun 12, 2026
Book Page	5663/66282

Lender

Name	FIRST FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jan 5, 2021
Property Address	739 MOSSY OAK CV, HERNANDO, MS 38632-1440
Document Number	000944/189
Book / Page	944 / 189
Map Reference	MB 95 PG 8&9
Instrument Date	Dec 31, 2020
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	NOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	851 GREEN T LK W, 851, HERNANDO, MS 38632-4555

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	739 MOSSY OAK CV, HERNANDO, MS 38632-1440

Mortgage

Document Number	0005127301
Date	Jan 5, 2021
Instrument	5127/301

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 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	$1,816.00 (+16.04%)	$18,170 (+35.11%) Land $3,000 Building $15,170	$181,700 (+35.12%) Land $30,000 Building $151,700
2023	$1,565.00	$13,448	$134,477 Land $30,000 Building $104,477

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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 66% of the US · lower than 83% 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
Also Mapped Here	NESBIT WATER ASSOCIATION
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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
C Spire Wireless Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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