DeSoto County property record for 390 E Commerce St, Hernando, MS 38632 · Last verified January 2026
| Property Type | Commercial > Retail > Restaurant |
|---|---|
| Year Built | Built 1980 |
| Square Footage | 2,194 sqft Adjusted Area |
| Lot Size | 26,885 sqft (0.617 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $7,383.00 (2025) |
| Primary APN | 3-07-4-18-00-2-00066-01 |
|---|
| Building Area | 2,194 sqft Adjusted Area |
|---|---|
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1980 |
|---|---|
| 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 | 26,885 sqft (0.617 acres) |
| Depth X Width | 300 ft x 90 ft Depth x Width |
| Street Address | 390 E COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-2402 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail > Restaurant |
| Legal Description | 18-3-7 LOT SE 1/4, NW 1/4 HERNANDO INC |
| Legal Range | 07 |
| Legal Township | 03 |
| Legal Section | 18 |
| Legal Quarter | SW |
| Legal Subdivision | HERNANDO INC |
| Legal Lot Number | 66 |
| Jurisdiction | DESOTO MS |
| Minor Civil Division | 5 |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 71121 |
Source: DeSoto County records · APN 3-07-4-18-00-2-00066-01
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 |
|---|---|
| Mailing Address | 390 E COMMERCE ST, HERNANDO, MS 38632-2402 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 01, 2022 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI |
| Mar 16, 2021 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI |
| Dec 29, 2017 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK & TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Deed Doc Number | 0000779404 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 390 E COMMERCE ST, HERNANDO, MS 38632-2402 |
| Transaction Type | Mortgage |
| Record Updated | Dec 04, 2023 |
| Name | Verified Name |
|---|
| Document Number | 005596/335 |
|---|---|
| Date | Sep 01, 2022 |
| Book Page | 5596/335 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | 38074 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 05, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 390 E COMMERCE ST, HERNANDO, MS 38632-2402 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4240 WHISPER TRL, OLIVE BRANCH, MS 38654-4909 |
| Document Number | 5186/497 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 5186/497 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FOREST, MS 39074 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 15, 2026 |
| 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 | 390 E COMMERCE ST, HERNANDO, MS 38632-2402 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4473/090 |
|---|---|
| Date | Dec 29, 2017 |
| Book Page | 4473/090 |
| Instrument | T04473-00090 |
| Name | COMMUNITY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 72 Months |
| Due | Jan 03, 2023 |
| Rate Type | Fixed Rate |
|---|
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 | $7,383.00 (-2.97%) | $63,378 (+15.55%) Land $20,250 Building $43,128 | $422,522 (+15.55%) Land $135,000 Building $287,522 |
| 2023 | $7,609.00 | $54,847 | $365,646 Land $135,000 Building $230,646 |
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