DeSoto County property record for 866 W South St, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 1,778 sqft · built 2000 |
| Lot Size | 0.371 acres (16,181 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,326 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-6-13-51-3-00028-00 |
| Primary APN | 3-08-6-13-51-3-00028-00 |
|---|
| Building Area | 1,778 sqft Adjusted Area |
|---|---|
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 16,181 sqft (0.371 acres) |
| Lot Dimensions | 100 ft deep x 175 ft wide |
| Street Address | 866 W SOUTH ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-2526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12 |
| Legal Description | OAKLAWN S-D SEC A LOT 28 |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | SE |
| Legal Subdivision | OAKLAWN S-D |
| Legal Lot Number | 28 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 71124 |
866 W South St, a single family home, is owned by two individuals.
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 | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1796 PECAN DR, HERNANDO, MS 38632-8023 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000272358 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 866 W SOUTH ST, HERNANDO, MS 38632-2526 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | GOOD TTL ESCROW & CLOSING LL |
| Name | Verified Name |
|---|---|
| Address | 1796 PECAN DR, HERNANDO, MS 38632-8023 |
| Document Number | 005487/533 |
|---|---|
| Date | Mar 15, 2022 |
| Book Page | 5487/533 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
The 2025 property tax bill for 866 W South St was $1,326.
Source: DeSoto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,326.00 | $11,385 Land $2,000 Building $9,385 | $113,848 Land $20,000 Building $93,848 |
| 2023 | $1,177.00 | $8,489 | $84,892 Land $20,000 Building $64,892 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 866 W South St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Feb 2011 |
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 risk around 866 W South St is moderate, ranking above 45% 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 45% of the US · above 43% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 92 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 |
| AT&T DSL | 100 / 20 |
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