DeSoto County property record for 480 W Commerce St, Hernando, MS 38632 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Year Built | Built 2000 |
| Square Footage | 2,922 sqft Adjusted Area |
| Lot Size | 34,474 sqft (0.791 acres) |
| Garage | 440 sqft |
| Pool | 512 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $2,669.00 (2025) |
| Primary APN | 3-08-6-13-00-1-00083-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 10 Rooms |
| Building Area | 2,922 sqft Adjusted Area |
| Stories | 2 Stories |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Concrete Foundation |
| Roof Construction | Hip Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 34,474 sqft (0.791 acres) |
| Depth X Width | 180 ft x 130 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 440 sqft Garage |
| Pool Area | 512 sqft Pool |
| Deck Area | 32 sqft Deck |
| Patio Area | 580 sqft Patio |
| Street Address | 480 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-2101 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LTS 277, 278;PT LT 279, 280 HERNANDO INC |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | NW |
| Legal Subdivision | HERNANDO INC |
| Legal Lot Number | 277-230 278 |
| Jurisdiction | DESOTO MS |
| Minor Civil Division | 5 |
| Census Blockgroup | 1 |
| Census Block | 1061 |
| Census Tract | 71122 |
Source: DeSoto County records · APN 3-08-6-13-00-1-00083-00
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 480 W COMMERCE ST, HERNANDO, MS 38632-2101 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 05, 2017 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage IBERIABANK |
| Jan 14, 2021 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Jun 29, 2021 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 03, 2010 |
| Deed Sale | May 03, 2010 |
| Deed Doc Number | 0000632514 |
| Deed Book / Page | 632 / 514 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 480 W COMMERCE ST, HERNANDO, MS 38632-2101 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 20170605010134490 |
|---|---|
| Date | Jun 05, 2017 |
| Instrument | 20170605010134490 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | OLIVE BRANCH, MS 38654 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| 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 | 480 W COMMERCE ST, HERNANDO, MS 38632-2101 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004976/703 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 4976/703 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | LAFAYETTE, LA 70501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 480 W COMMERCE ST, HERNANDO, MS 38632-2101 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 480 W COMMERCE ST, HERNANDO, MS 38632-2101 |
| Document Number | 005134/598 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 5134/598 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | OLIVE BRANCH, MS 38654 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 25, 2031 |
| 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 | 480 W COMMERCE ST, HERNANDO, MS 38632-2101 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 480 W COMMERCE ST, HERNANDO, MS 38632-2101 |
| Document Number | 005277/501 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 5277/501 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | OLIVE BRANCH, MS 38654 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 25, 2031 |
| 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 | $2,669.00 (+20.33%) | $25,485 (+40.41%) Land $3,293 Building $22,192 | $254,848 (+40.41%) Land $32,928 Building $221,920 |
| 2023 | $2,218.00 | $18,151 | $181,505 Land $32,928 Building $148,577 |
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