DeSoto County property record for 4102 W Commerce St, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2,459 sqft · built 2017 |
| Lot Size | 4.63 acres (201,683 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,897 (2025) |
| Deeds & Mortgages | Jul 2017 Construction Loan Feb 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-3-08-00-0-00001-04 |
| Primary APN | 3-08-3-08-00-0-00001-04 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 2,459 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 201,683 sqft (4.63 acres) |
| Patio Area | 331 sqft |
| Street Address | 4102 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-8120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | PT SW1/4 |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 08 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 71122 |
Source: DeSoto County records, as of December 22, 2025
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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4102 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2017 | Deed of Trust, Mortgage · Construction Mortgage FIRST FINANCIAL BANK |
| Feb 15, 2019 | Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO |
| Dec 13, 2018 | Deed of Trust, Mortgage · Line of Credit BANK & TRUST CO |
| May 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000825157 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4102 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 20170728010216880 |
|---|---|
| Date | Jul 28, 2017 |
| Instrument | 20170728010216880 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | SENATOBIA, MS 38668 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jun 26, 2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4102 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004678/313 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 4678/313 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SENATOBIA, MS 38668 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 5, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4102 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004651/137 |
|---|---|
| Date | Dec 13, 2018 |
| Book Page | 4651/137 |
| Name | BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SENATOBIA, MS 38668 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Dec 7, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4102 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | MISSISSIPPI TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 4102 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Document Number | 005537/535 |
|---|---|
| Date | May 26, 2022 |
| Book Page | 5537/535 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2037 |
Source: DeSoto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,897.00 (+14.48%) | $26,641 (+36.07%) Land $3,141 Building $23,500 | $266,408 (+36.07%) Land $31,410 Building $234,998 |
| 2023 | $1,657.00 | $19,579 | $195,788 Land $31,410 Building $164,378 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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.
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 | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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