DeSoto County property record for 381 W Commerce St, Hernando, MS 38632 · Last verified January 2026
| Property Type | Commercial > Retail |
|---|---|
| Year Built | Built 1977 |
| Square Footage | 3,800 sqft Adjusted Area |
| Lot Size | 8,993 sqft (0.206 acres) |
| Tax Bill | $3,371.00 (2025) |
| Primary APN | 3-08-6-13-00-4-00014-00 |
|---|
| Building Area | 3,800 sqft Adjusted Area |
|---|---|
| Interior Structure | Unfinished Interior Structure |
| Year Built | Built 1977 |
|---|---|
| Exterior Material | Metal Exterior |
| Construction Type | Metal Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 8,993 sqft (0.206 acres) |
| Depth X Width | 70 ft x 125 ft Depth x Width |
| Street Address | 381 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-2129 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail |
| Legal Description | 13-3-8 LOT 64 & 65 HERNANDO INC |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | NE |
| Legal Subdivision | HERNANDO INC |
| Legal Lot Number | 64-65 65 |
| Jurisdiction | DESOTO MS |
| Minor Civil Division | 5 |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 71124 |
Source: DeSoto County records · APN 3-08-6-13-00-4-00014-00
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 | Company Name on File |
|---|---|
| Mailing Address | 2671 SCHOOL ST, HERNANDO, MS 38632-2737 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Jul 06, 2022 | Deed of Trust, Mortgage GUARANTY BANK & TRUST CO |
| Dec 10, 2018 | Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Deed Doc Number | 0000443307 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 381 W COMMERCE ST, HERNANDO, MS 38632-2129 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2671 SCHOOL ST, HERNANDO, MS 38632-2737 |
| Document Number | 005563/147 |
|---|---|
| Date | Jul 06, 2022 |
| Book Page | 5563/147 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jul 05, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 381 W COMMERCE ST, HERNANDO, MS 38632-2129 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004648/439 |
|---|---|
| Date | Dec 10, 2018 |
| Book Page | 4648/439 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SOUTHAVEN, MS 38672 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 10, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| 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 | $3,371.00 (+14%) | $28,940 (+35.75%) Land $3,938 Building $25,002 | $192,929 (+35.75%) Land $26,250 Building $166,679 |
| 2023 | $2,957.00 | $21,319 | $142,124 Land $26,250 Building $115,874 |
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