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Single Family ResidentialResidential
$507,277$158 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

1085 W COMMERCE ST

HERNANDO, MS 38632
3
Beds
0
Baths
3,214 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
11.6 ac
Lot SizeThe size of the land the home sits on, from county records.
1973
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$507K
$467K low$548K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$780 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$16,955 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,974
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$12,981
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$16,955
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$168,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.54
34
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
83
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyDeSoto
Lot (acres)The size of the land the home sits on, from county records.11.60
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Oak Grove Central Elementary SchoolA
Elementary · Grades KG–1 · 0.5 mi
M
Hernando Middle SchoolA
Middle · Grades 6–8 · 1.9 mi
H
Hernando High SchoolA
High · Grades 9–12 · 2.0 mi

District: Desoto County School District

Neighborhood · ZIP 38632These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.143
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.179

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.31,213
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.166 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$88,302
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$107,466
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.55 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1085 W Commerce St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 93% of homes in DeSoto County
  • Costs more per square foot than 86% of homes in DeSoto County
  • Bigger than 86% of homes in DeSoto County
  • Among the largest lots in DeSoto County
  • Older than 91% of homes in DeSoto County

What homes are worth in Hernando 38632

Each bar is how many homes fall in that price range. The marker is this home.

This home
$163K$737K

This home is worth more than 87% of homes in Hernando 38632.

How it measures up in Hernando 38632

The dot is this home. The mark in the middle is the typical home in Hernando 38632.

Estimated value$507,277
CheaperTypical $342,932Pricier

Pricier than 87% of homes nearby

Price per ft²$158
CheaperTypical $146Pricier

Pricier than 73% of homes nearby

Living area3,214 ft²
SmallerTypical 2,378 ft²Bigger

Bigger than 80% of homes nearby

Lot size11.6 ac
SmallerTypical 0.78 acBigger

Bigger than 96% of homes nearby

Year built1973
OlderTypical 2003Newer

Newer than 10% of homes nearby

How 1085 W Commerce St ranks against every home in each area.
MeasureThis homeHernando 38632DeSoto County
Estimated valuepricier than$507,27787% of homes93% of homes
Price per ft²pricier than$15873% of homes86% of homes
Living areabigger than3,214 ft²80% of homes86% of homes
Lot sizebigger than11.6 ac96% of homesalmost all homes
Year builtnewer than197310% of homes9% of homes

About 1085 W Commerce St

How much is 1085 W Commerce St, Hernando, MS worth?

The TopHap Estimate for 1085 W Commerce St, Hernando, MS is $507,277 as of Sep 24, 2026. The likely range is $466,704 to $547,850. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1085 W Commerce St, Hernando, MS last sell?

1085 W Commerce St, Hernando, MS last sold on Oct 21, 2024, according to the county's recorded deed.

How big is 1085 W Commerce St, Hernando, MS?

1085 W Commerce St, Hernando, MS has 3 bedrooms, 3,214 square feet of living space and a 11.60-acre lot.

When was 1085 W Commerce St, Hernando, MS built?

1085 W Commerce St, Hernando, MS was built in 1973, making it 53 years old. The building has 1 story.

What schools serve 1085 W Commerce St, Hernando, MS?

1085 W Commerce St, Hernando, MS is assigned to Oak Grove Central Elementary School (elementary), rated A; Hernando Middle School (middle), rated A; Hernando High School (high), rated A. All sit in Desoto County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1085 W Commerce St, Hernando, MS compare to other homes in Hernando 38632?

Among the 12,507 homes in Hernando 38632, it is worth more than 87% of them ($507,277 against a typical $342,932), its price per square foot is higher than 73% of them ($158 against a typical $146), it is bigger than 80% of them (3,214 ft² against a typical 2,378 ft²), its lot is bigger than 96% of them (11.6 ac against a typical 0.78 ac) and it is newer than 10% of them (1973 against a typical 2003). Measured against all of DeSoto County, it is worth more than 93% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1085 W Commerce St, Hernando, MS?

The 2025 property tax bill for 1085 W Commerce St, Hernando, MS was $780. The county assessed it at $16,955.

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