DeSoto County property record for 10969 W Commerce St, Hernando, MS 38632 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Year Built | Built 2002 |
| Square Footage | 2,400 sqft Adjusted Area |
| Lot Size | 266,152 sqft (6.11 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $992.00 (2025) |
| Primary APN | 3-09-4-17-00-0-00005-04 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Building Area | 2,400 sqft Adjusted Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Aluminum/Vinyl Exterior |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 266,152 sqft (6.11 acres) |
| Street Address | 10969 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-8453 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PT SW1/4 |
| Legal Range | 09 |
| Legal Township | 03 |
| Legal Section | 17 |
| Legal Lot Number | 5 |
| Jurisdiction | DESOTO MS |
| Minor Civil Division | 4 |
| Census Blockgroup | 2 |
| Census Block | 2009 |
| Census Tract | 71200 |
Source: DeSoto County records · APN 3-09-4-17-00-0-00005-04
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 | 10969 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 27, 2021 | Deed of Trust, Mortgage · Line of Credit PARAGON BANK |
| Feb 10, 2025 | Deed of Trust, Mortgage · Building or Construction Mortgage GUARANTY BANK & TRUST CO |
| Apr 03, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Apr 03, 2017 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 03, 2017 |
| Deed Sale | Apr 03, 2017 |
| Deed Doc Number | 0000819107 |
| Deed Book / Page | 0819 / 107 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 10969 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 10969 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Document Number | 005328/746 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 5328/746 |
| Name | PARAGON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38119 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jul 13, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 10969 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|
| Document Number | 5662/10295 |
|---|---|
| Date | Feb 10, 2025 |
| Book Page | 5662/10295 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 05, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 10969 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004328/299 |
|---|---|
| Date | Apr 03, 2017 |
| Book Page | 4328/299 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Apr 03, 2017 |
| Property Address | 10969 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Document Number | 000819/107 |
| Book / Page | 0819 / 107 |
| Map Reference | MB 315 PG 271 |
| Instrument Date | Mar 31, 2017 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10961 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Name | Verified Name |
|---|---|
| Address | 10969 HIGHWAY 304, HERNANDO, MS 38632-8453 |
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 | $992.00 (+12.73%) | $15,485 (+32.46%) Land $3,592 Building $11,893 | $154,209 (+32.64%) Land $35,279 Building $118,930 |
| 2023 | $880.00 | $11,690 | $116,258 Land $35,280 Building $80,978 |
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