1295 W Commerce St, Hernando, MS 38632 Property Records

DeSoto County property record for 1295 W Commerce St, Hernando, MS 38632 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Year Built	Built 1979
Square Footage	2,937 sqft Adjusted Area
Lot Size	631,620 sqft (14.5 acres)
Occupancy	Owner Occupied
Tax Bill	$1,113.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`3-08-6-14-01-0-00004-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	2,937 sqft Adjusted Area
1st Floor	2,028 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick Veneer Exterior
Construction Type	Brick Construction
Roof Construction	Gable Roof Construction
Roof Material	Shingle Roof
Lot Area	631,620 sqft (14.5 acres)

Exterior Amenities

Shed	1 Shed
Shed Area	580 sqft Shed
Deck Area	480 sqft Deck
Utility Building	280 sqft Utility Building

Location & Zoning

Street Address	1295 W COMMERCE ST
City	HERNANDO
State	MS
Zip	38632-8405
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	OAK HILL EST 3RD REVISION LOT 4A
Legal Range	008
Legal Township	03S
Legal Section	14
Legal Subdivision	OAK HILL EST
Legal Lot Number	3
Jurisdiction	DESOTO MS
Minor Civil Division	4
Census Blockgroup	1
Census Block	1006
Census Tract	71124

Owner

Source: DeSoto County records · APN 3-08-6-14-01-0-00004-00

Assessment roll updated December 15, 2025 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1295 W COMMERCE ST, HERNANDO, MS 38632-8405
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Et Ux (and Wife) - Vendor Data Only

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 22, 2022
Transfer Doc	1005000610
Record Refreshed	Sep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Jul 27, 2022
Property Address	1295 W COMMERCE ST, HERNANDO, MS 38632-8405
Document Number	0001006/93
Book / Page	1006 / 93
Map Reference	MB 35 PG 22&23
Instrument Date	Jul 22, 2022
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Tax	$0.00
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1295 W COMMERCE ST, HERNANDO, MS 38632-8405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1295 W COMMERCE ST, HERNANDO, MS 38632-8405

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Unified School District	DeSoto 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,113.00 (-17.49%)	$20,995 (-) Land $5,800 Building $15,195	$209,948 (-) Land $58,000 Building $151,948
2023	$1,349.00	$20,995	$209,948 Land $58,000 Building $151,948

Flood & Wildfire

1295 W Commerce St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · DeSoto County (28033C), updated June 5, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Moderate 54th percentile of exposed land nationally · 64th in Mississippi
Wildfire Likelihood	Moderate — about 1 in 735 per year
Exposure	Direct burnable vegetation at the parcel

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