DeSoto County property record for 695 W Commerce St, Hernando, MS 38632 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,120 sqft · built 1955 |
| Lot Size | 0.444 acres (19,360 sqft) |
| Owner | Individual Name on File |
| Last Sale | $238,600 (Jun 2019) |
| Tax Bill | $167 (2025) |
| Deeds & Mortgages | Sep 2023 Transfer Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-08-6-13-00-3-00007-01 |
| Primary APN | 3-08-6-13-00-3-00007-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,120 sqft Adjusted Area |
| 1st Floor Area | 2,051 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 19,360 sqft (0.444 acres) |
| Lot Dimensions | 197 ft deep x 95 ft wide |
| Street Address | 695 W COMMERCE ST |
|---|---|
| City | HERNANDO |
| State | MS |
| Zip | 38632-1503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STRICKLAND S-D LOT 1 |
| Legal Range | 008 |
| Legal Township | 03S |
| Legal Section | 13 |
| Legal Subdivision | STRICKLAND S-D |
| Legal Lot Number | 1 |
| Jurisdiction | DESOTO MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 71124 |
Source: DeSoto County records · APN 3-08-6-13-00-3-00007-01
Assessment roll updated December 15, 2025 · Last verified April 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 |
|---|---|
| Mailing Address | 695 W COMMERCE ST, HERNANDO, MS 38632-1503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2023 | Intrafamily Transfer, Transfer |
| Jun 14, 2019 | Warranty Deed, Transfer · FHA Mortgage CASTLE & COOKE MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 14, 2019 · Amount on Record |
| Deed Sale | Jun 14, 2019 · Amount on Record |
| Deed Book / Page | 890 / 494 |
| Last Transfer Date | Sep 26, 2023 |
| Transfer Doc | 1023/17925 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Sep 28, 2023 |
| Property Address | 695 W COMMERCE ST, HERNANDO, MS 38632-1503 |
| Document Number | 1023/17925 |
| Book / Page | 1023 / 17925 |
| Map Reference | MB 44 PG 16 |
| Instrument Date | Sep 26, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1685 READY DR, HERNANDO, MS 38632-8827 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DESOTO MS |
| Recording Date | Jun 14, 2019 |
| Property Address | 695 W COMMERCE ST, HERNANDO, MS 38632-1503 |
| Document Number | 000890/494 |
| Book / Page | 0890 / 494 |
| Map Reference | MB 44 PG 16 |
| Instrument Date | Jun 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Title Company | NOT AVAILABLE, SELECT TITLE & ESCROW |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7325 AUSTIN RD, 7325, LAKE CORMORANT, MS 38641-9621 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 695 W COMMERCE ST, HERNANDO, MS 38632-1503 |
| Document Number | 0004743491 |
|---|---|
| Date | Jun 14, 2019 |
| Instrument | 4743/491 |
| Name | CASTLE & COOKE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
Source: DeSoto County records · Assessment roll updated December 15, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | DeSoto County |
| Municipality | Hernando City |
| Unified School District | DeSoto County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $167.00 (-16.08%) | $8,941 (-) Land $1,762 Building $7,179 | $89,417 (-) Land $17,623 Building $71,794 |
| 2023 | $199.00 (-78.83%) | $8,941 (-) | $89,417 (-) Land $17,623 Building $71,794 |
| 2022 | $940.00 | $8,941 Land $1,762 Building $7,179 | $89,417 Land $17,623 Building $71,794 |
Source: FEMA National Flood Hazard Layer, DeSoto County (28033C), updated June 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280330711241, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Nearby Flood Claims | 1 (2011) |
| Most Recent Claim | Feb 2011 |
| Wildfire Risk | Moderate above 46% of the US · above 44% of Mississippi |
|---|---|
| Wildfire Likelihood | About 1 in 1,205 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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