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10988 W Commerce St, Hernando, MS 38632 Property Records

DeSoto County property record for 10988 W Commerce St, Hernando, MS 38632 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3,983 sqft · built 2008
Lot Size3.4 acres (148,104 sqft)
OwnerIndividual Name on File
Tax Bill$2,394 (2025)
Deeds & MortgagesAug 2021 Mortgage
Apr 2010 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN3-09-4-17-01-0-00004-00

Property Details

APN / Parcel Number

Primary APN3-09-4-17-01-0-00004-00

Interior

Bedrooms4 Beds
Total Rooms7 Rooms
Stories1 Story
Building Area3,983 sqft Adjusted Area
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Exterior MaterialBrick Veneer
Construction TypeBrick
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialShingle
Lot Area148,104 sqft (3.4 acres)
Shed1 Shed
Shed Area1,440 sqft

Location & Zoning

Street Address10988 W COMMERCE ST
CityHERNANDO
StateMS
Zip38632-6118
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description17-3-9 BUCHANAN PLACE S-D LOT 4
Legal Range09
Legal Township03
Legal Section17
Legal SubdivisionBUCHANAN PLACE S-D
Legal Lot Number4
JurisdictionDESOTO MS
Township / Civil Division4
Census Block Group1
Census Block1025
Census Tract71200

Owner

Source: DeSoto County records · APN 3-09-4-17-01-0-00004-00

Assessment roll updated September 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address10988 W COMMERCE ST, HERNANDO, MS 38632-6118
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 09, 2021Deed of Trust, Mortgage · Conventional Mortgage
TRUSTMARK NATIONAL BANK
Apr 23, 2010Deed of Trust, Mortgage · Conventional Mortgage
COMMUNITY MORTGAGE CORP
Mar 21, 2025Deed of Trust, Mortgage · Stand-Alone Second Mortgage
DISCOVER BANK
Jun 02, 2016Deed of Trust, Mortgage · FHA Mortgage
TRUSTMARK NATIONAL BANK
Feb 03, 2026Warranty Deed, Transfer
CLA TITLE AND ESCROW, EXCEL TITLE & ESCROW
Jun 02, 2016Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 03, 2026
Deed SaleFeb 03, 2026
Prior SaleJun 02, 2016
Deed Document Number0010261638
Deed Book / Page1026 / 1638
Record UpdatedJun 08, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESOTO MS
Property Address10988 W COMMERCE ST, HERNANDO, MS 38632-6118
Transaction TypeMortgage
Record UpdatedFeb 16, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address10988 W COMMERCE ST, HERNANDO, MS 38632-6118

Mortgage

Document Number005312/405
DateAug 09, 2021
Book Page5312/405
Lender
NameTRUSTMARK NATIONAL BANK
TypeBank
AddressJACKSON, MS 39225
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

April 2010: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESOTO MS
Property Address10988 W COMMERCE ST, HERNANDO, MS 38632-6118
Transaction TypeMortgage
Record UpdatedFeb 16, 2026
Title CompanyWEST TENNESSEE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number003157/699
DateApr 23, 2010
Book Page3157/699
Lender
NameCOMMUNITY MORTGAGE CORP
TypeMortgage Company
AddressCORDOVA, TN 38018
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueApr 01, 2025

March 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESOTO MS
Property Address10988 W COMMERCE ST, HERNANDO, MS 38632-6118
Transaction TypeMortgage
Record UpdatedFeb 16, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address10989 W COMMERCE ST, HERNANDO, MS 38632-8453

Mortgage

Document Number5662/23728
DateMar 21, 2025
Book Page5662/23728
Lender
NameDISCOVER BANK
TypeBank
AddressGREENWOOD, DE 19950
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term180 Months
DueMar 18, 2040

June 2016: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESOTO MS
Property Address10988 W COMMERCE ST, HERNANDO, MS 38632-6118
Transaction TypeMortgage
Record UpdatedFeb 16, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number004167/182
DateJun 02, 2016
Book Page4167/182
Lender
NameTRUSTMARK NATIONAL BANK
TypeBank
AddressJACKSON, MS 39225
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2046

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESOTO MS
Recording DateFeb 03, 2026
Property Address10988 W COMMERCE ST, HERNANDO, MS 38632-6118
Document Number01026/1638
Book / Page1026 / 1638
Instrument DateJan 30, 2026
Transaction TypeTransfer
Record UpdatedFeb 16, 2026
Title CompanyCLA TITLE AND ESCROW, EXCEL TITLE & ESCROW

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address200 JOHNSON PARK, HOLLY SPRINGS, MS 38635-2809

Transferred To (Grantee/Buyer)

NameVerified Name
Address10988 W COMMERCE ST, HERNANDO, MS 38632-6118

June 2016: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESOTO MS
Recording DateJun 02, 2016
Property Address10988 W COMMERCE ST, HERNANDO, MS 38632-6118
Document Number000793/083
Book / Page0793 / 083
Instrument DateMay 31, 2016
Transaction TypeTransfer
Record UpdatedFeb 16, 2026

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5795 WAVERLY DR, HORN LAKE, MS 38637-3119

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address10988 HIGHWAY 304, HERNANDO, MS 38632-6118
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateMississippi
CountyDeSoto County
Unified School DistrictDeSoto County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$2,394.00 (+21.71%)$32,274 (+43.73%) Land $1,360 Building $30,914$322,738 (+43.73%) Land $13,600 Building $309,138
2023$1,967.00$22,455$224,545 Land $13,600 Building $210,945

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280330712001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskModerate
above 49% of the US · above 50% of Mississippi
Wildfire LikelihoodAbout 1 in 1,000 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 15 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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