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Single Family ResidentialResidential
$346,020$140 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

3181 RIVER OAK DR

HERNANDO, MS 38632
4
Beds
0
Baths
2,471 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.93 ac
Lot SizeThe size of the land the home sits on, from county records.
1988
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$346K
$320K low$372K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$261,520
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$209,216
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.23%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$84,500
WELLS FARGO BANK NA · recorded Dec 20, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$901 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$15,209 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,930
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$13,279
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$15,209
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$152,091

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.11 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyDeSoto
Lot (acres)The size of the land the home sits on, from county records.1.93
ConstructionThe main material the home's frame and walls are built from.Brick
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Oak Grove Central Elementary SchoolA
Elementary · Grades KG–1 · 1.0 mi
M
Hernando Middle SchoolA
Middle · Grades 6–8 · 3.0 mi
H
Hernando High SchoolA
High · Grades 9–12 · 3.0 mi

District: Desoto County School District

Neighborhood · ZIP 38632These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.143
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.179

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.31,213
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.166 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$88,302
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,466
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.55 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3181 River Oak Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 67% of homes in DeSoto County
  • Bigger than 66% of homes in DeSoto County
  • Has a bigger lot than 86% of homes in DeSoto County
  • Older than 79% of homes in Hernando 38632

What homes are worth in Hernando 38632

Each bar is how many homes fall in that price range. The marker is this home.

This home
$149K$780K

This home is worth more than 50% of homes in Hernando 38632.

How it measures up in Hernando 38632

The dot is this home. The mark in the middle is the typical home in Hernando 38632.

Estimated value$346,020
CheaperTypical $344,546Pricier

Pricier than 50% of homes nearby

Price per ft²$140
CheaperTypical $146Pricier

Pricier than 36% of homes nearby

Living area2,471 ft²
SmallerTypical 2,365 ft²Bigger

Bigger than 55% of homes nearby

Lot size1.93 ac
SmallerTypical 0.8 acBigger

Bigger than 71% of homes nearby

Year built1988
OlderTypical 2003Newer

Newer than 21% of homes nearby

How 3181 River Oak Dr ranks against every home in each area.
MeasureThis homeHernando 38632DeSoto County
Estimated valuepricier than$346,02050% of homes67% of homes
Price per ft²pricier than$14036% of homes54% of homes
Living areabigger than2,471 ft²55% of homes66% of homes
Lot sizebigger than1.93 ac71% of homes86% of homes
Year builtnewer than198821% of homes21% of homes

About 3181 River Oak Dr

How much is 3181 River Oak Dr, Hernando, MS worth?

The TopHap Estimate for 3181 River Oak Dr, Hernando, MS is $346,020 as of Jul 14, 2026. The likely range is $319,986 to $372,054. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3181 River Oak Dr, Hernando, MS?

3181 River Oak Dr, Hernando, MS has 4 bedrooms, 2,471 square feet of living space and a 1.93-acre lot.

When was 3181 River Oak Dr, Hernando, MS built?

3181 River Oak Dr, Hernando, MS was built in 1988, making it 38 years old. The building has 1 story.

What schools serve 3181 River Oak Dr, Hernando, MS?

3181 River Oak Dr, Hernando, MS is assigned to Oak Grove Central Elementary School (elementary), rated A; Hernando Middle School (middle), rated A; Hernando High School (high), rated A. All sit in Desoto County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3181 River Oak Dr, Hernando, MS compare to other homes in Hernando 38632?

Among the 12,506 homes in Hernando 38632, it is worth more than 50% of them ($346,020 against a typical $344,546), its price per square foot is higher than 36% of them ($140 against a typical $146), it is bigger than 55% of them (2,471 ft² against a typical 2,365 ft²), its lot is bigger than 71% of them (1.93 ac against a typical 0.8 ac) and it is newer than 21% of them (1988 against a typical 2003). Measured against all of DeSoto County, it is worth more than 67% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3181 River Oak Dr, Hernando, MS?

The 2025 property tax bill for 3181 River Oak Dr, Hernando, MS was $901. The county assessed it at $15,209.

Closest homes

More homes in Hernando 38632

Assigned schools

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