DeSoto County property record for 4131 W Commerce St, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5,247 sqft · built 2018 |
| Lot Size | 11.1 acres (486,130 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,779 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Aug 2018 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-4-17-00-0-00001-03 |
| Primary APN | 3-08-4-17-00-0-00001-03 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 5,247 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 486,130 sqft (11.1 acres) |
| Street Address | 4131 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 NE1/4 |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 17 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 71123 |
4131 W Commerce St is owned and occupied by an individual who acquired it in December 2017.
Source: DeSoto County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 21, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST SECURITY BANK |
| Aug 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN BANCORP BANK |
| Dec 3, 2020 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK |
| Apr 26, 2019 | Deed of Trust, Mortgage · Line of Credit SOUTHERN BANCORP BANK |
| Sep 5, 2019 | Deed of Trust, Mortgage · Line of Credit SOUTHERN BANCORP BANK |
| Oct 15, 2021 | Deed of Trust, Mortgage FIRST SECURITY BANK |
| Mar 10, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK |
| Dec 6, 2017 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2017 |
| Deed Sale | Dec 6, 2017 |
| Deed Document Number | W00842-00623 |
| Deed Book / Page | 842 / 623 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Aug 21, 2026 |
| Property Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Document Number | 5663095345 |
| Book / Page | 5663 / 95345 |
| Instrument Date | Aug 12, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Document Number | 5663095345, |
|---|---|
| Date | Aug 21, 2026 |
| Book Page | 5663/95345 |
| Name | FIRST SECURITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 12, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0004597/35 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 4597/35 |
| Instrument | T04597-00035 |
| Name | SOUTHERN BANCORP BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 23, 2019 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Document Number | 0005103/62 |
|---|---|
| Date | Dec 3, 2020 |
| Book Page | 5103/62 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Nov 6, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004715/598 |
|---|---|
| Date | Apr 26, 2019 |
| Book Page | 4715/598 |
| Name | SOUTHERN BANCORP BANK |
|---|---|
| Type | Bank |
| Address | HERNANDO, MS 38632 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004792/683 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 4792/683 |
| Name | SOUTHERN BANCORP BANK |
|---|---|
| Type | Bank |
| Address | WEST HELENA, AR 72390 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 10, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Document Number | 005373/766 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | 5373/766 |
| Name | FIRST SECURITY BANK |
|---|---|
| Type | Bank |
| Address | BATESVILLE, MS 38606 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Oct 10, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Document Number | 005483/607 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 5483/607 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Feb 7, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Dec 6, 2017 |
| Property Address | 4131 W COMMERCE ST, HERNANDO, MS 38632-8120 |
| Document Number | 000842/623 |
| Book / Page | 842 / 623 |
| Instrument Date | Nov 29, 2017 |
| Instrument | W00842-00623 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11500 GRANBURY HWY, WEATHERFORD, TX 76087-6621 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5298 KRISTY LN, SOUTHAVEN, MS 38671-7421 |
The 2025 property tax bill for 4131 W Commerce St was $4,779.
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 | $4,779.00 | $61,579 Land $5,580 Building $55,999 | $615,794 Land $55,800 Building $559,994 |
| 2023 | $4,128.00 | $44,291 | $442,909 Land $55,800 Building $387,109 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4131 W Commerce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 6 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.
Wildfire risk around 4131 W Commerce St is low, with a 0.05% annual chance of wildfire.
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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