8915 Kerri Ruth Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 8915 Kerri Ruth Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,939 sqft · built 2016
Lot Size	3.55 acres (155,074 sqft)
Owner	Individual Name on Record
Tax Bill	$1,919 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-06-5-21-01-0-00019-00`

Property Details

APN / Parcel Number

Primary APN	`3-06-5-21-01-0-00019-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	2,939 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	155,074 sqft (3.55 acres)

Location & Zoning

Street Address	8915 KERRI RUTH RD
City	HERNANDO
State	MS
Zip	38632-6374
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	ALLEN FARMS SEC B LOT 19
Legal Range	06
Legal Township	03
Legal Section	21
Legal Subdivision	ALLEN FARMS SEC B
Legal Lot Number	19
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 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	8915 KERRI RUTH RD, HERNANDO, MS 38632-6374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS NATIONAL BANK/MERIDIAN
Apr 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK
Apr 18, 2018	Deed, Transfer FIRST NATIONAL FINANCIAL TITLE, FIRST NATIONAL FINANCIAL TIT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2018
Deed Sale	Apr 18, 2018
Prior Sale	May 26, 2016
Deed Document Number	W00853-00606
Deed Book / Page	00853 / 606
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Recording Date	Aug 19, 2026
Property Address	8915 KERRI RUTH RD, HERNANDO, MS 38632-6374
Document Number	5663094067
Book / Page	5663 / 94067
Instrument Date	Aug 12, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8915 KERRI RUTH RD, HERNANDO, MS 38632-6374

Mortgage

Document Number	5663094067,
Date	Aug 19, 2026
Book Page	5663/94067

Lender

Name	CITIZENS NATIONAL BANK/MERIDIAN

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 25, 2051

Interest

Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	8915 KERRI RUTH RD, HERNANDO, MS 38632-6374
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004328/317
Date	Apr 3, 2017
Book Page	4328/317

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	8915 KERRI RUTH RD, HERNANDO, MS 38632-6374
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004525/361
Date	Apr 18, 2018
Book Page	4525/361
Instrument	T04525-00361

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 18, 2018
Property Address	8915 KERRI RUTH RD, HERNANDO, MS 38632-6374
Document Number	000853/606
Book / Page	00853 / 606
Map Reference	PB 97 PG 8-10
Instrument Date	Apr 13, 2018
Instrument	W00853-00606
Transaction Type	Transfer
Record Updated	Nov 29, 2022
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	1338 ROWELL RD, 1338, COLDWATER, MS 38618-2600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8915 KERRI RUTH RD, HERNANDO, MS 38632-6374

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 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	$1,919.00 (+15.05%)	$26,907 (+36.64%) Land $3,600 Building $23,307	$269,073 (+36.64%) Land $36,000 Building $233,073
2023	$1,668.00	$19,692	$196,919 Land $36,000 Building $160,919

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
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 58% of the US · above 73% of Mississippi
Wildfire Likelihood	0.2% 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 (outdoors only) and 4G LTE

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