8980 Kerri Ruth Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 8980 Kerri Ruth Rd, Hernando, MS 38632 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,315 sqft · built 2006
Lot Size	3.18 acres (138,521 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,440 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-06-5-21-01-0-00012-00`

Property Details

APN / Parcel Number

Primary APN	`3-06-5-21-01-0-00012-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,315 sqft Adjusted Area
1st Floor Area	2,113 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Material	Shingle
Lot Area	138,521 sqft (3.18 acres)
Pool Area	648 sqft

Location & Zoning

Street Address	8980 KERRI RUTH RD
City	HERNANDO
State	MS
Zip	38632-6373
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALLEN FARMS SEC B LOT 12
Legal Range	006
Legal Township	03S
Legal Section	21
Legal Subdivision	ALLEN FARMS SEC B
Legal Lot Number	12
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1020
Census Tract	70900

Owner

Source: DeSoto County records · APN 3-06-5-21-01-0-00012-00

Assessment roll updated December 15, 2025 · Last verified June 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	8980 KERRI RUTH RD, HERNANDO, MS 38632-6373
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2017	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 02, 2022	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO
Mar 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 27, 2006
Deed Sale	Mar 27, 2006
Deed Book / Page	524 / 210
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	8980 KERRI RUTH RD, HERNANDO, MS 38632-6373
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004318/322
Date	Mar 15, 2017
Book Page	4318/322

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 26, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	8980 KERRI RUTH RD, HERNANDO, MS 38632-6373
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 WOODWARD AVE DETROIT, DETROIT, MI 48226-3573

Mortgage

Document Number	005163/418
Date	Feb 19, 2021
Book Page	5163/418

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DANVILLE, IL 61834

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Aug 01, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	8980 KERRI RUTH RD, HERNANDO, MS 38632-6373
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8980 KERN RUTH RD, HERNANDO, MS 38632

Mortgage

Document Number	005541/498
Date	Jun 02, 2022
Book Page	5541/498

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	May 25, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	8980 KERRI RUTH RD, HERNANDO, MS 38632-6373
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8990 KERRI RUTH RD, HERNANDO, MS 38632-6373

Mortgage

Document Number	5660/16826
Date	Mar 14, 2023
Book Page	5660/16826

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,440.00 (+19.78%)	$33,217 (+42.09%) Land $3,600 Building $29,617	$332,170 (+42.09%) Land $36,000 Building $296,170
2023	$2,037.00	$23,377	$233,771 Land $36,000 Building $197,771

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280330709001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Apr 2011, rainfall accumulation, Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 77% of Mississippi
Wildfire Likelihood	About 1 in 662 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 22 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000

May also be available at this address: Telapex. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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