DeSoto County property record for 10670 W Commerce St, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,192 sqft · built 2011 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,135 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Mar 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-09-4-17-01-0-00016-00 |
| Primary APN | 3-09-4-17-01-0-00016-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Building Area | 2,192 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Composition/Composite |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 10670 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 BUCHANAN PLACE S-D LOT 16 |
| Legal Range | 09 |
| Legal Township | 03 |
| Legal Section | 17 |
| Legal Subdivision | BUCHANAN PLACE S-D |
| Legal Lot Number | 16 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 71200 |
Source: DeSoto County records · APN 3-09-4-17-01-0-00016-00
Assessment roll updated September 1, 2025 · Last verified January 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 | 10670 W COMMERCE ST, HERNANDO, MS 38632-8450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 01, 2024 | Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA |
| Mar 15, 2017 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Feb 19, 2019 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Deed Document Number | 0000390544 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 10670 W COMMERCE ST, HERNANDO, MS 38632-8450 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 10570 W COMMERCE ST, HERNANDO, MS 38632-8450 |
| Document Number | 5661/39538 |
|---|---|
| Date | May 01, 2024 |
| Book Page | 5661/39538 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 05, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | May 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5% |
| Max Rate At Change | 9% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 10670 W COMMERCE ST, HERNANDO, MS 38632-8450 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004318/268 |
|---|---|
| Date | Mar 15, 2017 |
| Book Page | 4318/268 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 26, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 10670 W COMMERCE ST, HERNANDO, MS 38632-8450 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004678/596 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 4678/596 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 26, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Unified School District | DeSoto County School District (PK - 12) |
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 | $1,135.00 (+19.22%) | $17,196 (+38.59%) Land $2,000 Building $15,196 | $171,961 (+38.58%) Land $20,000 Building $151,961 |
| 2023 | $952.00 | $12,408 | $124,084 Land $20,000 Building $104,084 |
Source: FEMA National Flood Hazard Layer as of June 5, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Moderate above 48% of the US · above 50% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 15 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | EUDORA UTILITIES ASSOCIATION public/private · serves 3,749 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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