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11332 W Commerce St, Hernando, MS 38632 Property Records

DeSoto County property record for 11332 W Commerce St, Hernando, MS 38632 · Last verified January 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms1 Beds
Year BuiltBuilt 1977
Square Footage917 sqft Adjusted Area
Lot Size35,073 sqft (0.805 acres)
OccupancyOwner Occupied
Tax Bill$433.00 (2025)

Property Details

APN / Parcel Number

Primary APN3-09-4-18-01-0-00011-00

Interior

Bedrooms1 Beds
Total Rooms3 Rooms
Building Area917 sqft Adjusted Area
Stories1 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1977
Exterior MaterialWood Exterior
Construction TypeFrame Construction
Foundation TypeConcrete Foundation
Roof ConstructionGable Roof Construction
Roof MaterialShingle Roof
Lot Area35,073 sqft (0.805 acres)
Depth X Width240 ft x 110 ft Depth x Width

Location & Zoning

Street Address11332 W COMMERCE ST
CityHERNANDO
StateMS
Zip38632-9194
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCHICKASAW BLUFF LAKES S-D SEC LOT 11
Legal Range09
Legal Township03
Legal Section18
Legal SubdivisionCHICKASAW BLUFF LAKES S-D
Legal Lot Number11
JurisdictionDESOTO MS
Minor Civil Division4
Census Blockgroup1
Census Block1019
Census Tract71200

Owner

Source: DeSoto County records · APN 3-09-4-18-01-0-00011-00

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 RecordIndividual Name on File
Mailing Address11332 W COMMERCE ST, HERNANDO, MS 38632-9194
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 02, 2018Deed of Trust, Mortgage · Conventional Mortgage
EVERETT FINANCIAL INC
Aug 20, 2019Warranty Deed, Transfer · Conventional Mortgage
USAA FSB
Apr 02, 2018Deed, Transfer
FIRST NATIONAL FINANCIAL TITLE, FIRST NATIONAL FINANCIAL TIT

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 20, 2019
Deed SaleAug 20, 2019
Prior SaleApr 02, 2018
Deed Doc Number0000897126
Deed Book / Page0897 / 126
Record RefreshedJun 08, 2026

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESOTO MS
Property Address11332 W COMMERCE ST, HERNANDO, MS 38632-9194
Transaction TypeMortgage
Record UpdatedNov 29, 2022
Title CompanyFIRST NATIONAL FINANCIAL TIT

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number004516/240
DateApr 02, 2018
Book Page4516/240
InstrumentT04516-00240
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2048
Interest
Rate TypeFixed Rate

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESOTO MS
Recording DateAug 20, 2019
Property Address11332 W COMMERCE ST, HERNANDO, MS 38632-9194
Document Number000897/126
Book / Page0897 / 126
Map ReferenceMB 6 PG 18-22
Instrument DateAug 16, 2019
Transaction TypeTransfer
Record UpdatedNov 29, 2022
Title CompanyNOT AVAILABLE, GUARDIAN TITLE LLC

Transaction

Tax$0.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address409 HOPE RD, 409, COLDWATER, MS 38618-5416

Transferred To (Grantee/Buyer)

NameVerified Name
Address11332W W COMMERCE ST, HERNANDO, MS 38632-9194
InvestorPossibly a Property Investor

Mortgage

Document Number0004782755
DateAug 20, 2019
Instrument4782/755
Lender
NameUSAA FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

April 2018: Deed, Transfer

Document TypeDeed
JurisdictionDESOTO MS
Recording DateApr 02, 2018
Property Address11332 W COMMERCE ST, HERNANDO, MS 38632-9194
Document Number000852/347
Book / Page852 / 347
Map ReferencePB 6 PG 18-22
Instrument DateMar 30, 2018
InstrumentW00852-00347
Transaction TypeTransfer
Record UpdatedNov 29, 2022
Title CompanyFIRST NATIONAL FINANCIAL TITLE, FIRST NATIONAL FINANCIAL TIT

Transaction

Tax$0.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address11332 W COMMERCE ST, 11332, HERNANDO, MS 38632-9194

Transferred To (Grantee/Buyer)

NameVerified Name
Address641 N BOLIVAR COUNTY LINE RD, CLEVELAND, MS 38732-8523

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 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$433.00 (+9.9%)$5,187 (+32.73%) Land $1,000 Building $4,187$51,866 (+32.72%) Land $10,000 Building $41,866
2023$394.00$3,908$39,080 Land $10,000 Building $29,080

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 47% of the US · above 46% of Mississippi
Wildfire LikelihoodAbout 1 in 1,163 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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