725 W Commerce St, Hernando, MS 38632 Property Records

DeSoto County property record for 725 W Commerce St, Hernando, MS 38632 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Year Built	Built 2000
Square Footage	1,959 sqft Adjusted Area
Lot Size	19,283 sqft (0.442 acres)
Occupancy	Owner Occupied
Tax Bill	$774.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`3-08-6-13-00-3-00008-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	1,959 sqft Adjusted Area
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2000
Exterior Material	Composition/Composite Exterior
Foundation Type	Concrete Foundation
Roof Construction	Gable Roof Construction
Roof Material	Shingle Roof
Lot Area	19,283 sqft (0.442 acres)
Depth X Width	210 ft x 10 ft Depth x Width

Location & Zoning

Street Address	725 W COMMERCE ST
City	HERNANDO
State	MS
Zip	38632-1508
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	13-3-8 PT LOT 444 HERNANDO INC
Legal Range	08
Legal Township	03
Legal Section	13
Legal Quarter	SE
Legal Subdivision	HERNANDO INC
Legal Lot Number	444
Jurisdiction	DESOTO MS
Minor Civil Division	4
Census Blockgroup	1
Census Block	1003
Census Tract	71124

Owner

Source: DeSoto County records · APN 3-08-6-13-00-3-00008-00

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	725 W COMMERCE ST, HERNANDO, MS 38632-1508
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Doc Number	0000521641
Record Refreshed	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	HERNANDO, MS 38632
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 W COMMERCE ST, HERNANDO, MS 38632-1508

Mortgage

Document Number	005181/207
Date	Mar 10, 2021
Book Page	5181/207

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Municipality	Hernando City
Unified School District	DeSoto 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$774.00 (+8.71%)	$6,650 (+29.55%) Land $1,685 Building $4,965	$66,502 (+29.55%) Land $16,853 Building $49,649
2023	$712.00	$5,133	$51,333 Land $16,853 Building $34,480

Flood & Wildfire

725 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 Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

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

Wildfire Risk to Homes	Moderate 46th percentile of exposed land nationally · 44th in Mississippi
Wildfire Likelihood	Moderate — about 1 in 1,205 per year
Exposure	Direct burnable vegetation at the parcel

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