DeSoto County property record for 195 W Commerce St, Hernando, MS 38632
| Property Type | Other |
|---|---|
| Lot Size | 0.315 acres (13,725 sqft) |
| Owner | Individual Name on File |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-6-13-00-4-00007-01 |
| Primary APN | 3-08-6-13-00-4-00007-01 |
|---|
| Lot Area | 13,725 sqft (0.315 acres) |
|---|---|
| Lot Dimensions | 142 ft deep x 98 ft wide |
| Street Address | 195 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-2231 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Local Zoning Code | C-3 |
| Legal Description | W PT OF TOWN LOTS 74 & 75 HERNANDO INC |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | NE |
| Legal Subdivision | HERNANDO INC |
| Legal Lot Number | 74-75 75 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 71124 |
195 W Commerce St is owned and occupied by an individual.
Source: DeSoto County records, as of December 12, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 10, NASHVILLE, TN 37202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000158281 |
| Record Updated | Jun 8, 2026 |
Source: DeSoto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill |
|---|---|
| 2025 | Additional exemption filed |
FEMA maps place 195 W Commerce St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
Wildfire risk around 195 W Commerce St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 82% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HERNANDO-JAYBIRD private · serves 6,750 people · EPA ID MS0170002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 205 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: C Spire Wireless.
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