DeSoto County property record for 10675 W Commerce St, Hernando, MS 38632 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Year Built | Built 2005 |
| Square Footage | 2,090 sqft Adjusted Area |
| Lot Size | 261,360 sqft (6 acres) |
| Garage | 875 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $1,449.00 (2025) |
| Primary APN | 3-09-4-17-00-0-00006-03 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Building Area | 2,090 sqft Adjusted Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick Veneer Exterior |
| Construction Type | Brick Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 261,360 sqft (6 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Area | 875 sqft Garage |
| Utility Building | 317 sqft Utility Building |
| Street Address | 10675 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-8441 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PT NE1/4 SW1/4 |
| Legal Range | 09 |
| Legal Township | 03 |
| Legal Section | 17 |
| Legal Subdivision | FAULKNER 01 REV |
| Legal Lot Number | 6 |
| Jurisdiction | DESOTO MS |
| Minor Civil Division | 4 |
| Census Blockgroup | 2 |
| Census Block | 2009 |
| Census Tract | 71200 |
Source: DeSoto County records · APN 3-09-4-17-00-0-00006-03
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 | Individual Name on File |
|---|---|
| Mailing Address | 10675 W COMMERCE ST, HERNANDO, MS 38632-8441 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 22, 2024 | Transfer on Death Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Deed Doc Number | 0000649429 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 10675 W COMMERCE ST, HERNANDO, MS 38632-8441 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2024 |
| Name | Verified Name |
|---|
| Document Number | 004968/341 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 4968/341 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Apr 22, 2024 |
| Property Address | 10675 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 | May 10, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10623 W COMMERCE ST, HERNANDO, MS 38632-8441 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 10675 W COMMERCE ST, HERNANDO, MS 38632-8441 |
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 | $1,449.00 (+12.41%) | $20,952 (+33.11%) Land $3,900 Building $17,052 | $209,521 (+33.11%) Land $39,000 Building $170,521 |
| 2023 | $1,289.00 | $15,740 | $157,404 Land $39,000 Building $118,404 |
10675 W Commerce St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · DeSoto County (28033C), updated June 5, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 51st percentile of exposed land nationally · 58th in Mississippi |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 962 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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