806 Saddle Creek Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 806 Saddle Creek Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,181 sqft · built 2006
Lot Size	0.391 acres (17,048 sqft)
Owner	Individual Name on Record
Tax Bill	$1,982 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Aug 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-06-18-0-00301-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-06-18-0-00301-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,181 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	17,048 sqft (0.391 acres)
Lot Dimensions	201 ft deep x 103 ft wide

Location & Zoning

Street Address	806 SADDLE CREEK CV
City	HERNANDO
State	MS
Zip	38632-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Description	DEER CREEK SEC G LOT 301
Legal Range	07
Legal Township	03
Legal Section	06
Legal Subdivision	DEER CREEK
Legal Lot Number	301
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1017
Census Tract	71121

Owner

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

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	Individual Name on Record
Mailing Address	806 SADDLE CREEK CV, HERNANDO, MS 38632-1422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Aug 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Aug 27, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	0000530373
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	806 SADDLE CREEK CV, HERNANDO, MS 38632-1422
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 SADDLE CREEK CV, HERNANDO, MS 38632-1422

Mortgage

Document Number	5660/82487
Date	Sep 6, 2023
Book Page	5660/82487

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 6, 2038

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	806 SADDLE CREEK CV, HERNANDO, MS 38632-1422
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170824010244280
Date	Aug 24, 2017
Instrument	20170824010244280

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2032

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	806 SADDLE CREEK CV, HERNANDO, MS 38632-1422
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004785/756
Date	Aug 27, 2019
Book Page	4785/756

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 26, 2039

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	806 SADDLE CREEK CV, HERNANDO, MS 38632-1422
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 SADDLE CREEK CV, HERNANDO, MS 38632-1422

Mortgage

Document Number	005342/762
Date	Sep 13, 2021
Book Page	5342/762

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 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	$1,982.00 (+16.45%)	$19,593 (+35.73%) Land $3,000 Building $16,593	$195,928 (+35.73%) Land $30,000 Building $165,928
2023	$1,702.00	$14,435	$144,350 Land $30,000 Building $114,350

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	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 65% of the US · lower than 82% of Mississippi
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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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