10546 W Commerce St, Hernando, MS 38632 Property Records

DeSoto County property record for 10546 W Commerce St, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,435 sqft · built 1989
Lot Size	49.2 acres (2,145,766 sqft)
Owner	Individual Name on Record
Tax Bill	$2,579 (2025)
Deeds & Mortgages	Oct 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`3-09-4-17-00-0-00004-00`

Property Details

APN / Parcel Number

Primary APN	`3-09-4-17-00-0-00004-00`

Interior

Bedrooms	4 Beds
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,435 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	2,145,766 sqft (49.2 acres)
Utility Building	2,304 sqft

Location & Zoning

Street Address	10546 W COMMERCE ST
City	HERNANDO
State	MS
Zip	38632-8450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	17-3-9 W PT NE1/4
Legal Range	09
Legal Township	03
Legal Section	17
Legal Lot Number	4
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	1
Census Block	1010
Census Tract	71200

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	10857 FOX GLEN DR, HERNANDO, MS 38632-7005
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 15, 2021
Transfer Doc	0000975/61
Record Updated	Jun 8, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Oct 15, 2021
Property Address	10546 W COMMERCE ST, HERNANDO, MS 38632-8450
Document Number	0000975/61
Book / Page	975 / 61
Map Reference	MB 134 PG 495
Instrument Date	Sep 27, 2021
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10546 W COMMERCE ST, HERNANDO, MS 38632-8450

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10857 FOX GLEN DR, HERNANDO, MS 38632-7005

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	$2,579.00 (+10.21%)	$30,867 (+33.32%) Land $5,538 Building $25,329	$302,219 (+34.3%) Land $48,925 Building $253,294
2023	$2,340.00	$23,153	$225,030 Land $48,990 Building $176,040

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
Nearby Flood Policies	2 in force

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 51% of the US · above 57% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EUDORA UTILITIES ASSOCIATION public/private · serves 3,749 people · EPA ID MS0170006
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30