DeSoto County property record for 10977 W Commerce St, Hernando, MS 38632 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Year Built | Built 2006 |
| Square Footage | 4,114 sqft Adjusted Area |
| Lot Size | 217,800 sqft (5 acres) |
| Garage | 624 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $483,263 (2026) |
| Tax Bill | $3,071.00 (2025) |
| Primary APN | 3-09-4-17-00-0-00005-03 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Building Area | 4,114 sqft Adjusted Area |
| 1st Floor | 2,933 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick Veneer Exterior |
| Construction Type | Brick Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 217,800 sqft (5 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 624 sqft Garage |
| Pool Area | 364 sqft Pool |
| Patio Area | 384 sqft Patio |
| Street Address | 10977 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-8453 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PT W1/2 W1/2 |
| Legal Range | 009 |
| Legal Township | 03S |
| Legal Section | 17 |
| Legal Subdivision | TEAGUE 02 |
| 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 3-09-4-17-00-0-00005-03
Assessment roll updated December 15, 2025 · Last verified April 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 | 10977 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 06, 2018 | Deed of Trust, Mortgage · Line of Credit SOUTHERN BANCORP BANK |
| Mar 20, 2026 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage ASSURANCE FINANCIAL GROUP LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 20, 2026 · Amount on Record |
| Deed Sale | Mar 20, 2026 · Amount on Record |
| Prior Sale | Nov 27, 2024 · Amount on Record |
| Deed Book / Page | 1026 / 4645 |
| Prior Transfer Date | Apr 24, 2012 |
| Prior Transfer Doc | 000679/424 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 10977 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 004647/450 |
|---|---|
| Date | Dec 06, 2018 |
| Book Page | 4647/450 |
| Name | SOUTHERN BANCORP BANK |
|---|---|
| Type | Bank |
| Address | ARKADELPHIA, AR 71923 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 35 Months |
| Due | Nov 07, 2021 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Mar 20, 2026 |
| Property Address | 10977 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Document Number | 01026/4645 |
| Book / Page | 1026 / 4645 |
| Instrument Date | Mar 20, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | MAGNOLIA TITLE LCC, MAGNOLIA TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 582 BOLIVAR DR, NESBIT, MS 38651-1062 |
| Name | Verified Name |
|---|---|
| Address | 10977 W COMMERCE ST, HERNANDO, MS 38632-8453 |
| Document Number | 0566329783 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | 5663/29783 |
| Name | ASSURANCE FINANCIAL GROUP LLC |
|---|---|
| Type | Lending Institution |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,071.00 (+57.89%) | $40,386 (+50.89%) Land $4,000 Building $36,386 | $403,862 (+50.89%) Land $40,000 Building $363,862 |
| 2023 | $1,945.00 | $26,765 | $267,647 Land $40,000 Building $227,647 |
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