8995 Kerri Ruth Rd, Hernando, MS 38632 Property Records

DeSoto County property record for 8995 Kerri Ruth Rd, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,388 sqft · built 2007
Lot Size	3.56 acres (155,074 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Nov 2020)
Tax Bill	$2,798 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-06-5-21-01-0-00020-00`

Property Details

APN / Parcel Number

Primary APN	`3-06-5-21-01-0-00020-00`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,388 sqft Adjusted Area
1st Floor Area	2,039 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	155,074 sqft (3.56 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	8995 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 20
Legal Range	006
Legal Township	03S
Legal Section	21
Legal Subdivision	ALLEN FARMS SEC B
Legal Lot Number	20
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1020
Census Tract	70900

Owner

Source: DeSoto County records, as of May 27, 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 Record
Mailing Address	8995 KERRI RUTH RD, HERNANDO, MS 38632-6374
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Nov 12, 2021	Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK
Nov 2, 2020	Warranty Deed, Transfer · Conventional Mortgage CME LENDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2020 · Amount on Record
Deed Sale	Nov 2, 2020 · Amount on Record
Prior Sale	Jun 27, 2006
Deed Book / Page	937 / 408
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Recording Date	May 20, 2026
Property Address	8995 KERRI RUTH RD, HERNANDO, MS 38632-6374
Document Number	5663055406
Book / Page	5663 / 55406
Instrument Date	May 1, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8995 KERRI RUTH RD, HERNANDO, MS 38632-6374
Investor	Possibly a Property Investor

Mortgage

Document Number	5663055406,
Date	May 20, 2026
Book Page	5663/55406

Lender

Name	FIRST SECURITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2036

Interest

Rate	6.46%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	8995 KERRI RUTH RD, HERNANDO, MS 38632-6374
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8995 KERRI RUTH RD, HERNANDO, MS 38632-6374

Mortgage

Document Number	005396/577
Date	Nov 12, 2021
Book Page	5396/577

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	BATESVILLE, MS 38606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Nov 2, 2020
Property Address	8995 KERRI RUTH RD, HERNANDO, MS 38632-6374
Document Number	000937/408
Book / Page	937 / 408
Map Reference	MB 97 PG 8-10
Instrument Date	Oct 30, 2020
Transaction Type	Transfer
Record Updated	Apr 18, 2022
Title Company	PERFECT TITLE, PERFECT TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	88 DUCKETT RD, 88, HOLLY SPRINGS, MS 38635-9233

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8995 KERN RUTH ROAD, CHATAWA, MS 39632

Mortgage

Document Number	0005080431
Date	Nov 2, 2020
Instrument	5080/431

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company

Agreement

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

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	$2,798.00 (+12.41%)	$33,923 (+36.23%) Land $3,600 Building $30,323	$339,233 (+36.23%) Land $36,000 Building $303,233
2023	$2,489.00	$24,902	$249,015 Land $36,000 Building $213,015

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 60% of the US · above 77% 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 22 locations within half a mile, as of December 31, 2025

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

May also be available: C Spire Wireless.

Cell Coverage

5G and 4G LTE (outdoors only)

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