31 E Commerce St, Hernando, MS 38632 Property Records

DeSoto County property record for 31 E Commerce St, Hernando, MS 38632 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Year Built	Built 2000
Square Footage	75,168 sqft Total Area
Lot Size	2,922 sqft (0.067 acres)
Occupancy	Owner Occupied
Tax Bill	$203.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`3-07-4-18-00-3-00021-08`

Interior

Building Area	75,168 sqft Total Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	2,922 sqft (0.067 acres)

Location & Zoning

Street Address	31 E COMMERCE ST
City	HERNANDO
State	MS
Zip	38632-2215
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PT LOT 45 UNIT 1
Legal Range	007
Legal Township	03S
Legal Section	18
Legal Subdivision	SW4 S18T03R07
Legal Lot Number	45
Legal Unit	1
Jurisdiction	DESOTO MS
Minor Civil Division	5
Census Blockgroup	3
Census Block	3006
Census Tract	71124

Owner

Source: DeSoto County records · APN 3-07-4-18-00-3-00021-08

Assessment roll updated December 15, 2025 · Last verified July 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	31 E COMMERCE ST, HERNANDO, MS 38632-2215
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 Sale	Dec 30, 2020
Deed Sale	Dec 30, 2020
Prior Sale	Feb 29, 2016
Deed Book / Page	943 / 551
Prior Transfer Date	Oct 29, 2020
Prior Transfer Doc	0938000251
Record Refreshed	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	31 E COMMERCE ST, HERNANDO, MS 38632-2215
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004928/529
Date	Apr 22, 2020
Book Page	4928/529

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	39125

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 19, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Municipality	Hernando City
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	$203.00 (-16.12%)	$9,247 (-) Land $1,200 Building $8,047	$92,474 (-) Land $12,000 Building $80,474
2023	$242.00	$9,247	$92,474 Land $12,000 Building $80,474