DeSoto County property record for 4809 W Commerce St, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 5,296 sqft · built 2016 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,794 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-4-17-00-0-00003-03 |
| Primary APN | 3-08-4-17-00-0-00003-03 |
|---|
| Building Area | 5,296 sqft Adjusted Area |
|---|---|
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Pool Area | 648 sqft |
| Patio Area | 496 sqft |
| Street Address | 4809 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-8437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | PT NW1/4 |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 17 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 71123 |
4809 W Commerce St is owned and occupied by an individual who acquired it in June 2016.
Source: DeSoto County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4809 W COMMERCE ST, HERNANDO, MS 38632-8437 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 15, 2016 |
| Transfer Doc | 000794/713 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 4809 W COMMERCE ST, HERNANDO, MS 38632-8437 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4809 W COMMERCE ST, HERNANDO, MS 38632-8437 |
| Document Number | 0005233/89 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 5233/89 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Apr 1, 2041 |
The 2025 property tax bill for 4809 W Commerce St was $3,794.
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 | $3,794.00 | $49,642 Land $2,000 Building $47,642 | $496,424 Land $20,000 Building $476,424 |
| 2023 | $3,118.00 | $34,193 | $341,933 Land $20,000 Building $321,933 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4809 W Commerce St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 4809 W Commerce St is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 43% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.08% 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 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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