1477 W Commerce St, Hernando, MS 38632 Property Records

DeSoto County property record for 1477 W Commerce St, Hernando, MS 38632 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,221 sqft · built 1967
Lot Size	3.25 acres (141,570 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Sep 2021)
Tax Bill	$1,869 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3-08-6-14-00-0-00008-02`

Property Details

APN / Parcel Number

Primary APN	`3-08-6-14-00-0-00008-02`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,221 sqft Adjusted Area
1st Floor Area	1,420 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	141,570 sqft (3.25 acres)
Patio Area	760 sqft

Location & Zoning

Street Address	1477 W COMMERCE ST
City	HERNANDO
State	MS
Zip	38632-8409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE1/4 NW1/4
Legal Range	008
Legal Township	03S
Legal Section	14
Legal Lot Number	8
Jurisdiction	DESOTO MS
Township / Civil Division	4
Census Block Group	1
Census Block	1006
Census Tract	71124

Owner

Source: DeSoto County records · APN 3-08-6-14-00-0-00008-02

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 Record	2 Individual Names on File
Mailing Address	1477 W COMMERCE ST, HERNANDO, MS 38632-8409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Feb 01, 2023	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
Sep 07, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Mar 16, 2017	Warranty Deed, Transfer REALITY TITLE, REALTY TITLE
Mar 01, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 07, 2021 · Amount on Record
Deed Sale	Sep 07, 2021 · Amount on Record
Prior Sale	Mar 16, 2017
Deed Book / Page	970 / 279
Prior Transfer Date	Jun 09, 2021
Prior Transfer Doc	000970/279
Record Updated	Jun 08, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	1477 W COMMERCE ST, HERNANDO, MS 38632-8409
Transaction Type	Mortgage
Record Updated	Feb 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1477 W COMMERCE ST, HERNANDO, MS 38632-8409

Mortgage

Document Number	05660/4197
Date	Feb 01, 2023
Book Page	5660/4197

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Dec 16, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DESOTO MS
Recording Date	Sep 07, 2021
Property Address	1477 W COMMERCE ST, HERNANDO, MS 38632-8409
Document Number	000970/279
Book / Page	970 / 279
Instrument Date	Jun 09, 2021
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1477 W COMMERCE ST, HERNANDO, MS 38632-8409

Mortgage

Document Number	0005336444
Date	Sep 07, 2021
Instrument	5336/444

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 01, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 16, 2017
Property Address	1477 W COMMERCE ST, HERNANDO, MS 38632-8409
Document Number	000817/606
Book / Page	0817 / 606
Instrument Date	Mar 09, 2017
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	REALITY TITLE, REALTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 N OWENSBY ST, 205, LA PLATA, MO 63549-1073

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1477 HIGHWAY 304, HERNANDO, MS 38632-8409

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESOTO MS
Recording Date	Mar 01, 2017
Property Address	1477 W COMMERCE ST, HERNANDO, MS 38632-8409
Document Number	000816/381
Book / Page	0816 / 381
Instrument Date	Feb 26, 2017
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 N OWENSBY ST, 205, LA PLATA, MO 63549-1073

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 N OWENSBY ST, LA PLATA, MO 63549-1073

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,869.00 (-2.25%)	$26,299 (+37.45%) Land $2,925 Building $23,374	$262,990 (+37.46%) Land $29,250 Building $233,740
2023	$1,912.00	$19,133	$191,327 Land $29,250 Building $162,077

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 280330711241, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Feb 2011

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 70% of Mississippi
Wildfire Likelihood	About 1 in 730 per year
Exposure	Direct 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 54 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Telapex	Fiber	8,000 / 8,000
Xfinity	Cable	1,200 / 35
AT&T	Fiber	1,000 / 1,000

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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