DeSoto County property record for 3613 W Commerce St, Hernando, MS 38632 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Year Built | Built 1979 |
| Square Footage | 3,390 sqft Adjusted Area |
| Lot Size | 435,600 sqft (10 acres) |
| Garage | 864 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $2,479.00 (2025) |
| Primary APN | 3-08-5-16-00-0-00002-01 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 3,390 sqft Adjusted Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Brick Veneer Exterior |
| Construction Type | Brick Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 435,600 sqft (10 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Area | 864 sqft Garage |
| Utility Building | 624 sqft Utility Building |
| Street Address | 3613 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-8433 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PT SE 1/4 NW 1/4 |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 16 |
| Legal Lot Number | 2 |
| Jurisdiction | DESOTO MS |
| Minor Civil Division | 4 |
| Census Blockgroup | 2 |
| Census Block | 2027 |
| Census Tract | 71123 |
Source: DeSoto County records · APN 3-08-5-16-00-0-00002-01
Assessment roll updated September 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3613 W COMMERCE ST, HERNANDO, MS 38632-8433 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 08, 2025 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Aug 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Aug 20, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage IBERIABANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 20, 2019 |
| Deed Sale | Aug 20, 2019 |
| Deed Doc Number | 0000897110 |
| Deed Book / Page | 0897 / 110 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 3613 W COMMERCE ST, HERNANDO, MS 38632-8433 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3613 W COMMERCE ST, HERNANDO, MS 38632-8433 |
| Document Number | 5662/128353 |
|---|---|
| Date | Dec 08, 2025 |
| Book Page | 5662/128353 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | OLIVE BRANCH, MS 38654 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 26, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 3613 W COMMERCE ST, HERNANDO, MS 38632-8433 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3613 W COMMERCE ST, HERNANDO, MS 38632-8433 |
| Document Number | 005592/393 |
|---|---|
| Date | Aug 26, 2022 |
| Book Page | 5592/393 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Aug 20, 2019 |
| Property Address | 3613 W COMMERCE ST, HERNANDO, MS 38632-8433 |
| Document Number | 000897/110 |
| Book / Page | 0897 / 110 |
| Instrument Date | Aug 09, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Title Company | GUARDIAN LAND TITLE, GUARDIAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 790 CEDAR TRACE CIR, 790, HERNANDO, MS 38632-6930 |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 3613 W COMMERCE ST, HERNANDO, MS 38632-8433 |
| Document Number | 0004782662 |
|---|---|
| Date | Aug 20, 2019 |
| Instrument | 4782/662 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Unified School District | DeSoto County School District (PK - 12) |
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 | $2,479.00 (+10.08%) | $30,056 (+33.4%) Land $5,000 Building $25,056 | $300,563 (+33.4%) Land $50,000 Building $250,563 |
| 2023 | $2,252.00 | $22,531 | $225,314 Land $50,000 Building $175,314 |
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