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11520 W Commerce St, Hernando, MS 38632 Property Records

DeSoto County property record for 11520 W Commerce St, Hernando, MS 38632 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1,173 sqft · built 1996
Lot Size0.451 acres (19,659 sqft)
OwnerCompany Name on File
Last Sale$143,100 (Mar 2021)
Tax Bill$1,108 (2025)
Deeds & MortgagesApr 2017 Mortgage
Mar 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN3-09-4-18-01-0-00001-00

Property Details

APN / Parcel Number

Primary APN3-09-4-18-01-0-00001-00

Interior

Bedrooms3 Beds
Total Rooms5 Rooms
Stories1 Story
Building Area1,173 sqft Adjusted Area
1st Floor Area1,168 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Exterior MaterialComposition/Composite
Roof TypeGable
Roof MaterialShingle
Lot Area19,659 sqft (0.451 acres)
Lot Dimensions150 ft deep x 160 ft wide
Patio Area168 sqft

Location & Zoning

Street Address11520 W COMMERCE ST
CityHERNANDO
StateMS
Zip38632-9196
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCHICKASAW BLUFF LAKES SEC A LOT 1
Legal Range009
Legal Township03S
Legal Section18
Legal SubdivisionCHICKASAW BLUFF LAKES SEC A
Legal Lot Number1
JurisdictionDESOTO MS
Township / Civil Division4
Census Block Group1
Census Block1019
Census Tract71200

Owner

Source: DeSoto County records · APN 3-09-4-18-01-0-00001-00

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 RecordCompany Name on File
Mailing AddressPO BOX 424, NESBIT, MS 38651-0424
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Apr 27, 2017Deed of Trust, Mortgage · Conventional Mortgage
COMMUNITY MORTGAGE CORP
Mar 08, 2021Warranty Deed, Transfer · Commercial Mortgage
GUARANTY BANK & TRUST CO
Apr 27, 2017Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 08, 2021 · Amount on Record
Deed SaleMar 08, 2021 · Amount on Record
Prior SaleApr 27, 2017 · Amount on Record
Deed Book / Page950 / 279
Prior Transfer DateSep 23, 2016
Prior Transfer Doc000803/365
Record UpdatedJun 08, 2026

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDESOTO MS
Property Address11520 W COMMERCE ST, HERNANDO, MS 38632-9196
Transaction TypeMortgage
Record UpdatedNov 29, 2022
Title CompanyFIRST NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number004341/593
DateApr 27, 2017
Book Page4341/593
Lender
NameCOMMUNITY MORTGAGE CORP
TypeMortgage Company
AddressCORDOVA, TN 38018
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2047

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESOTO MS
Recording DateMar 08, 2021
Property Address11520 W COMMERCE ST, HERNANDO, MS 38632-9196
Document Number000950/279
Book / Page950 / 279
Map ReferenceMB 6 PG 18-22
Instrument DateMar 05, 2021
Transaction TypeTransfer
Record UpdatedNov 29, 2022
Title CompanySLESTA TITLE AND ESCROW LLC, SELECT TITLE & ESCROW LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4140 SOUTHERN MANOR DR N, 4140, LAKE CORMORANT, MS 38641-9500

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 424, NESBIT, MS 38651-0424

Mortgage

Document Number0005178608
DateMar 08, 2021
Instrument5178/608
Lender
NameGUARANTY BANK & TRUST CO
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term72 Months
DueMar 15, 2027

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESOTO MS
Recording DateApr 27, 2017
Property Address11520 W COMMERCE ST, HERNANDO, MS 38632-9196
Document Number000821/410
Book / Page0821 / 410
Map ReferencePL 6 PG 18-22
Instrument DateApr 26, 2017
Transaction TypeTransfer
Record UpdatedNov 29, 2022

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5706 LOS GATOS DR, 5706, MEMPHIS, TN 38115-1943

Transferred To (Grantee/Buyer)

NameVerified Name
Address11520 HIGHWAY 304, HERNANDO, MS 38632-9196

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,108.00 (+14.23%)$13,281 (+38.2%) Land $1,500 Building $11,781$88,537 (+38.2%) Land $10,000 Building $78,537
2023$970.00$9,610$64,064 Land $10,000 Building $54,064

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
Flood Insurance CostPremium on Record
median of 2 individual NFIP policies nearby
Nearby Flood Policies2 in force
2 of 2 on primary residences

Wildfire

Wildfire RiskModerate
above 44% of the US · above 40% of Mississippi
Wildfire LikelihoodAbout 1 in 1,563 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.

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