815 Saddle Creek Cv, Hernando, MS 38632 Property Records

DeSoto County property record for 815 Saddle Creek Cv, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,356 sqft · built 2006
Lot Size	0.407 acres (17,734 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Jun 2026)
Tax Bill	$2,465 (2025)
Deeds & Mortgages	Aug 2026 Transfer Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-07-3-06-18-0-00295-00`

Property Details

APN / Parcel Number

Primary APN	`3-07-3-06-18-0-00295-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,356 sqft Adjusted Area
1st Floor Area	1,321 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	17,734 sqft (0.407 acres)
Lot Dimensions	167 ft deep x 143 ft wide

Location & Zoning

Street Address	815 SADDLE CREEK CV
City	HERNANDO
State	MS
Zip	38632-1423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Description	DEER CREEK SEC G LOT 295
Legal Range	007
Legal Township	03S
Legal Section	06
Legal Subdivision	DEER CREEK
Legal Lot Number	295
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1017
Census Tract	71121

Owner

815 Saddle Creek Cv is owned and occupied by two individuals who bought it in June 2026.

Source: DeSoto County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	815 SADDLE CREEK CV, HERNANDO, MS 38632-1423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 5, 2026	Quit Claim Deed, Transfer GUARDIAN LAND TITLE, GUARDIAN TITLE
Jun 18, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTY BANK AND TRUST COMPANY
Aug 13, 2018	Deed of Trust, Mortgage · VA Mortgage EAGLE BANK & TRUST CO
Apr 21, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Sep 26, 2024 · Amount on File
Deed Book / Page	1026 / 10630
Prior Transfer Date	Jun 16, 2026
Prior Transfer Doc	1026014033
Record Updated	Sep 20, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESOTO MS
Recording Date	Aug 5, 2026
Property Address	815 SADDLE CREEK CV, HERNANDO, MS 38632-1423
Document Number	1026014033
Book / Page	1026 / 14033
Instrument Date	Jun 16, 2026
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 SADDLE CREEK CV, HERNANDO, MS 38632-1423

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jun 18, 2026
Property Address	815 SADDLE CREEK CV, HERNANDO, MS 38632-1423
Document Number	1026010630
Book / Page	1026 / 10630
Instrument Date	Jun 12, 2026
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FOUNDATION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	815 SADDLE CREEK CV, HERNANDO, MS 38632-1423

Mortgage

Document Number	5663068067,
Date	Jun 18, 2026
Book Page	5663/68067

Lender

Name	GUARANTY BANK AND TRUST COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	815 SADDLE CREEK CV, HERNANDO, MS 38632-1423
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004588/361
Date	Aug 13, 2018
Book Page	4588/361
Instrument	T04588-00361

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	815 SADDLE CREEK CV, HERNANDO, MS 38632-1423
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004928/52
Date	Apr 21, 2020
Book Page	4928/52

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 815 Saddle Creek Cv was $2,465.

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	$2,465.00	$21,161 Land $3,000 Building $18,161	$211,610 Land $30,000 Building $181,610
2023	$2,146.00	$15,470	$154,697 Land $30,000 Building $124,697

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 815 Saddle Creek Cv in Zone X, an area of minimal flood risk.

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

Wildfire risk around 815 Saddle Creek Cv is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 81% 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.

Nearby Properties on Saddle Creek Cv

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures