8860 Kerri Ruth Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 8860 Kerri Ruth Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,077 sqft · built 2007
Lot Size	3.18 acres (138,521 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,700 (Jul 2021)
Tax Bill	$2,150 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-06-5-21-01-0-00015-00`

Property Details

APN / Parcel Number

Primary APN	`3-06-5-21-01-0-00015-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,077 sqft Adjusted Area
1st Floor Area	2,028 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	138,521 sqft (3.18 acres)

Location & Zoning

Street Address	8860 KERRI RUTH RD
City	HERNANDO
State	MS
Zip	38632-6375
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	ALLEN FARMS SEC B LOT 15
Legal Range	006
Legal Township	03S
Legal Section	21
Legal Subdivision	ALLEN FARMS SEC B
Legal Lot Number	15
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1020
Census Tract	70900

Owner

Source: DeSoto County records, as of December 23, 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 Record
Mailing Address	8860 KERRI RUTH RD, HERNANDO, MS 38632-6375
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage CME LENDING GROUP LLC
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
Jul 28, 2021	Warranty Deed, Transfer · VA Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Prior Sale	Apr 14, 2006
Deed Book / Page	966 / 35
Prior Transfer Date	Jan 27, 2013
Prior Transfer Doc	000699/693
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	8860 KERRI RUTH RD, HERNANDO, MS 38632-6375
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8860 KERRI RUTH RD, HERNANDO, MS 38632-6375

Mortgage

Document Number	005060/778
Date	Oct 8, 2020
Book Page	5060/778

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company
Address	CHESTERTON, IN 46304

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	8860 KERRI RUTH RD, HERNANDO, MS 38632-6375
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8860 KERRI RUTH RD, HERNANDO, MS 38632-6375

Mortgage

Document Number	0005466/26
Date	Feb 15, 2022
Book Page	5466/26

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jan 11, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Jul 28, 2021
Property Address	8860 KERRI RUTH RD, HERNANDO, MS 38632-6375
Document Number	0000966/35
Book / Page	966 / 35
Map Reference	MB 97 PG 8
Instrument Date	Jul 22, 2021
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	924 MT CRILEAD, 924, HOLLY SPRINGS, MS 38635

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8860 KERRI RUTH RD, HERNANDO, MS 38632-6375

Mortgage

Document Number	0005303666
Date	Jul 28, 2021
Instrument	5303/666

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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	$2,150.00 (+14.3%)	$29,712 (+36.16%) Land $3,600 Building $26,112	$297,119 (+36.15%) Land $36,000 Building $261,119
2023	$1,881.00	$21,822	$218,222 Land $36,000 Building $182,222

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding

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 57% of the US · above 71% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

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