791 Hickory Ridge Dr, Hernando, MS 38632 Property Records

DeSoto County property record for 791 Hickory Ridge Dr, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,487 sqft · built 1990
Lot Size	5.35 acres (233,046 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,231 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Jul 2015 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-05-01-0-00008-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-05-01-0-00008-00`

Interior

Bedrooms	4 Beds
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,487 sqft Adjusted Area
1st Floor Area	2,920 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	233,046 sqft (5.35 acres)
Pool Area	720 sqft
Patio Area	1,840 sqft
Quonset Hut	960 sqft

Location & Zoning

Street Address	791 HICKORY RIDGE DR
City	HERNANDO
State	MS
Zip	38632-4526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-R
Legal Description	OAKDALE ESTATES S-D LOT 8
Legal Range	007
Legal Township	03S
Legal Section	05
Legal Subdivision	OAKDALE ESTATES S-D
Legal Lot Number	8
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	3
Census Block	3005
Census Tract	71001

Owner

Source: DeSoto County records, as of April 1, 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	791 HICKORY RIDGE DR, HERNANDO, MS 38632-4526
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2025	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO
Jul 8, 2015	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST CO
Nov 17, 2009	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jul 28, 2008	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 16, 2026	Warranty Deed, Transfer
Jul 8, 2015	Warranty Deed, Transfer FIRST NATIONAL FINANCIAL TITLE, FIRST NATIONAL FINANCIAL TIT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026
Deed Sale	Mar 16, 2026
Prior Sale	Jul 8, 2015 · Amount on Record
Deed Book / Page	1026 / 4349
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	791 HICKORY RIDGE DR, HERNANDO, MS 38632-4526
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	791 HICKORY RIDGE DR, HERNANDO, MS 38632-4526

Mortgage

Document Number	5662/86789
Date	Aug 25, 2025
Book Page	5662/86789

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 25, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	791 HICKORY RIDGE DR, HERNANDO, MS 38632-4526
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004007/664
Date	Jul 8, 2015
Book Page	4007/664

Lender

Name	CITIZENS BANK & TRUST CO
Type	Bank
Address	MARKS, MS 38646

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Jan 1, 2016

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	791 HICKORY RIDGE DR, HERNANDO, MS 38632-4526
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003103/768
Date	Nov 17, 2009
Book Page	3103/768

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2024

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	791 HICKORY RIDGE DR, HERNANDO, MS 38632-4526
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	FISERV LENDING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002928/742
Date	Jul 28, 2008
Book Page	2928/742

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35283

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 14, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 16, 2026
Property Address	791 HICKORY RIDGE DR, HERNANDO, MS 38632-4526
Document Number	01026/4349
Book / Page	1026 / 4349
Map Reference	MB 13 PG 31-36
Instrument Date	Mar 16, 2026
Transaction Type	Transfer
Record Updated	Apr 1, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	453 BEACON HILL DR, HERNANDO, MS 38632-8393

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	791 HICKORY RIDGE DR, HERNANDO, MS 38632-4526

July 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 8, 2015
Property Address	791 HICKORY RIDGE DR, HERNANDO, MS 38632-4526
Document Number	000767/239
Book / Page	0767 / 239
Map Reference	MB 58 PG 1-6
Instrument Date	Jul 1, 2015
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	FIRST NATIONAL FINANCIAL TITLE, FIRST NATIONAL FINANCIAL TIT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 830, HERNANDO, MS 38632-0830

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	791 HICKORY RIDGE DR, HERNANDO, MS 38632-4526
Investor	Possibly a Property Investor

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	$2,231.00 (-17.49%)	$34,547 (-) Land $5,350 Building $29,197	$345,465 (-) Land $53,500 Building $291,965
2023	$2,704.00	$34,547	$345,465 Land $53,500 Building $291,965

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 · 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	3 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	Moderate above 45% of the US · above 42% of Mississippi
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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