DeSoto County property record for 446 W Commerce St, Hernando, MS 38632 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Year Built | Built 1920 |
| Square Footage | 2,374 sqft Adjusted Area |
| Lot Size | 32,053 sqft (0.735 acres) |
| Garage | 392 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $1,310.00 (2025) |
| Primary APN | 3-08-6-13-00-1-00084-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 2,374 sqft Adjusted Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1920 |
|---|---|
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Concrete Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 32,053 sqft (0.735 acres) |
| Depth X Width | 260 ft x 103 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 392 sqft Garage |
| Street Address | 446 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-2122 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 13-3-8 LOT 199-202 HERNANDO INC |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | NW |
| Legal Subdivision | HERNANDO INC |
| Legal Lot Number | 199-202 200 |
| Jurisdiction | DESOTO MS |
| Minor Civil Division | 5 |
| Census Blockgroup | 1 |
| Census Block | 1061 |
| Census Tract | 71122 |
Source: DeSoto County records · APN 3-08-6-13-00-1-00084-00
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 | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 446 W COMMERCE ST, HERNANDO, MS 38632-2122 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 11, 2023 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Sep 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANCORP SOUTH BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Doc Number | 0000348396 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 446 W COMMERCE ST, HERNANDO, MS 38632-2122 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 446 W COMMERCE ST, HERNANDO, MS 38632-2122 |
| Document Number | 5660/83848 |
|---|---|
| Date | Sep 11, 2023 |
| Book Page | 5660/83848 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38125 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 26, 2048 |
| 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 | 446 W COMMERCE ST, HERNANDO, MS 38632-2122 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004605/190 |
|---|---|
| Date | Sep 13, 2018 |
| Book Page | 4605/190 |
| Instrument | T04605-00190 |
| Name | BANCORP SOUTH BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 26, 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 | $1,310.00 (+18.23%) | $13,822 (+36.18%) Land $2,001 Building $11,821 | $138,216 (+36.18%) Land $20,008 Building $118,208 |
| 2023 | $1,108.00 | $10,150 | $101,493 Land $20,008 Building $81,485 |
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