DeSoto County property record for 11476 W Commerce St, Hernando, MS 38632 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Year Built | Built 2006 |
| Square Footage | 1,814 sqft Adjusted Area |
| Lot Size | 21,878 sqft (0.502 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $905.00 (2025) |
Source: DeSoto County records · APN 3-09-4-18-01-0-00003-00
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 11476 W COMMERCE ST, HERNANDO, MS 38632-4109 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EVOLVE BANK & TRUST |
| Jul 07, 2020 | Deed of Trust, Mortgage · Line of Credit EVOLVE BANK & TRUST |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 19, 2015 |
| Deed Sale | Oct 19, 2015 |
| Deed Doc Number | 0000776263 |
| Deed Book / Page | 0776 / 263 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 11476 W COMMERCE ST, HERNANDO, MS 38632-4109 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004973/433 |
|---|---|
| Date | Jun 22, 2020 |
| Book Page | 4973/433 |
| Name | EVOLVE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38119 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 11476 W COMMERCE ST, HERNANDO, MS 38632-4109 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0004985/22 |
|---|---|
| Date | Jul 07, 2020 |
| Book Page | 4985/22 |
| Name | EVOLVE BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38119 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jun 26, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
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 | $905.00 (+28.73%) | $14,434 (+45.24%) Land $1,000 Building $13,434 | $144,340 (+45.24%) Land $10,000 Building $134,340 |
| 2023 | $703.00 | $9,938 | $99,377 Land $10,000 Building $89,377 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 45% of the US · above 42% of Mississippi |
|---|---|
| Wildfire Likelihood | About 1 in 1,389 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 3-09-4-18-01-0-00003-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Building Area | 1,814 sqft Adjusted Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2006 |
|---|---|
| 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 | 21,878 sqft (0.502 acres) |
| Depth X Width | 160 ft x 100 ft Depth x Width |
| Street Address | 11476 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-4109 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CHICKASAW BLUFF LAKES SEC A LOT 3 |
| Legal Range | 09 |
| Legal Township | 03 |
| Legal Section | 18 |
| Legal Subdivision | CHICKASAW BLUFF LAKES SEC A |
| Legal Lot Number | 3 |
| Jurisdiction | DESOTO MS |
| Minor Civil Division | 4 |
| Census Blockgroup | 1 |
| Census Block | 1019 |
| Census Tract | 71200 |
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