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551 W Commerce St, Hernando, MS 38632 Property Records

DeSoto County property record for 551 W Commerce St, Hernando, MS 38632 · Last verified January 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Year BuiltBuilt 1920
Square Footage1,957 sqft Adjusted Area
Lot Size59,920 sqft (1.37 acres)
Tax Bill$2,126.00 (2025)

Property Details

APN / Parcel Number

Primary APN3-08-6-13-00-3-00002-00

Interior

Bedrooms3 Beds
Total Rooms7 Rooms
Building Area1,957 sqft Adjusted Area
Stories1 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1920
Exterior MaterialAsbestos Exterior
Construction TypeFrame Construction
Foundation TypeConcrete Foundation
Roof ConstructionGable Roof Construction
Roof MaterialShingle Roof
Lot Area59,920 sqft (1.37 acres)
Depth X Width416 ft x 147 ft Depth x Width

Location & Zoning

Street Address551 W COMMERCE ST
CityHERNANDO
StateMS
Zip38632-1506
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionW PT LTS 373,374;E PT LTS 372 & 375 HERNANDO INC
Legal Range08
Legal Township03
Legal Section13
Legal QuarterSE
Legal SubdivisionHERNANDO INC
Legal Lot Number373-374 374
JurisdictionDESOTO MS
Minor Civil Division4
Census Blockgroup1
Census Block1003
Census Tract71124

Owner

Source: DeSoto County records · APN 3-08-6-13-00-3-00002-00

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 RecordCompany Name on File
Mailing Address521 W COMMERCE ST, HERNANDO, MS 38632-1506
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 13, 2018
Deed SaleDec 13, 2018
Deed Doc Number0000875444
Deed Book / Page0875 / 444
Record RefreshedJun 08, 2026

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDESOTO MS
Recording DateDec 13, 2018
Property Address551 W COMMERCE ST, HERNANDO, MS 38632-1506
Document Number000875/444
Book / Page0875 / 444
Instrument DateDec 13, 2018
Transaction TypeTransfer
Record UpdatedDec 12, 2023

Transaction

Tax$0.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address615 W COMMERCE ST, HERNANDO, MS 38632-1503

Transferred To (Grantee/Buyer)

NameVerified Name
Address1330 HIGHWAY 4 E, HOLLY SPRINGS, MS 38635-2141

Mortgage

Document Number0004651250
DateDec 13, 2018
Instrument4651/250
Lender
NameJAMES R SEAY SR REVOCABLE TRUST
TypeNon-Lending Institution
Agreement
AmountAmount Recorded
Term1 Months
DueJan 01, 2019
Interest
Rate6%

Tax Assessment & Valuation

Source: DeSoto County records · Assessment roll updated September 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateMississippi
CountyDeSoto County
MunicipalityHernando City
Unified School DistrictDeSoto County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$2,126.00 (+10.84%)$18,255 (+32.03%) Land $4,530 Building $13,725$121,699 (+32.04%) Land $30,200 Building $91,499
2023$1,918.00$13,826$92,171 Land $30,200 Building $61,971

Flood & Wildfire

551 W Commerce St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · DeSoto County (28033C), updated June 5, 2026

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesModerate
46th percentile of exposed land nationally · 44th in Mississippi
Wildfire LikelihoodModerate — about 1 in 1,205 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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