10623 W Commerce St, Hernando, MS 38632 Property Records

DeSoto County property record for 10623 W Commerce St, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,028 sqft · built 2015
Lot Size	8.27 acres (360,677 sqft)
Owner	Individual Name on Record
Tax Bill	$1,300 (2025)
Deeds & Mortgages	Apr 2024 Transfer Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-09-4-17-00-0-00006-01`

Property Details

APN / Parcel Number

Primary APN	`3-09-4-17-00-0-00006-01`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Building Area	3,028 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	360,677 sqft (8.27 acres)

Exterior Amenities

Pool Area	512 sqft
Patio Area	448 sqft
Shed	1 Shed
Shed Area	400 sqft
Quonset Hut	1,500 sqft

Location & Zoning

Street Address	10623 W COMMERCE ST
City	HERNANDO
State	MS
Zip	38632-8441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	PT NE1/4 SW1/4
Legal Range	09
Legal Township	03
Legal Section	17
Legal Subdivision	HENDRYX MINOR SUB
Legal Lot Number	6
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	2
Census Block	2009
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	10623 W COMMERCE ST, HERNANDO, MS 38632-8441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Transfer on Death Deed, Transfer
Jan 23, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2016
Deed Sale	Jan 27, 2016
Deed Document Number	0000783184
Deed Book / Page	0783 / 184
Record Updated	Jun 8, 2026

April 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 22, 2024
Property Address	10623 W COMMERCE ST, HERNANDO, MS 38632-8441
Document Number	01024/6982
Book / Page	1024 / 6982
Instrument Date	Apr 16, 2024
Transaction Type	Transfer
Record Updated	Dec 15, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10623 W COMMERCE ST, HERNANDO, MS 38632-8441

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10675 W COMMERCE ST, HERNANDO, MS 38632-8441

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	10623 W COMMERCE ST, HERNANDO, MS 38632-8441
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004873/210
Date	Jan 23, 2020
Book Page	4873/210

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

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	$1,300.00 (-17.36%)	$23,078 (-) Land $2,484 Building $20,594	$230,775 (-) Land $24,840 Building $205,935
2023	$1,573.00	$23,078	$230,775 Land $24,840 Building $205,935

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	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

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 48% of the US · above 50% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 34 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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