DeSoto County property record for 521 W Commerce St, Hernando, MS 38632
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4,884 sqft · built 1920 |
| Lot Size | 0.734 acres (32,005 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,475 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-6-13-59-3-00001-00 |
| Primary APN | 3-08-6-13-59-3-00001-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 4,884 sqft Adjusted Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Exterior Material | Composition/Composite |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 32,005 sqft (0.734 acres) |
| Lot Dimensions | 188 ft deep x 183 ft wide |
| Patio Area | 252 sqft |
| Street Address | 521 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-1506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-12 |
| Legal Description | WHITTEN-NICHOLS PLACE LOT 1 |
| Legal Range | 08 |
| Legal Township | 03 |
| Legal Section | 13 |
| Legal Quarter | SE |
| Legal Subdivision | WHITTEN NICHOLS PLACE |
| Legal Lot Number | 1 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 71124 |
Source: DeSoto County assessment roll, as of September 1, 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 521 W COMMERCE ST, HERNANDO, MS 38632-1506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000669373 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DESOTO MS |
| Property Address | 521 W COMMERCE ST, HERNANDO, MS 38632-1506 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 521 W COMMERCE ST, HERNANDO, MS 38632-1506 |
| Document Number | 005395/152 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 5395/152 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2036 |
Source: DeSoto County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,475.00 (+18.92%) | $40,990 (+39.95%) Land $3,500 Building $37,490 | $409,896 (+39.95%) Land $35,000 Building $374,896 |
| 2023 | $3,763.00 | $29,290 | $292,896 Land $35,000 Building $257,896 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Feb 2011 |
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 | Moderate above 46% of the US · above 43% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HERNANDO-JAYBIRD private · serves 6,750 people · EPA ID MS0170002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 232 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Telapex Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures