Wonderful Dave. Its working

<s:iterator value="commercialList" id="commercial">
        <s:url action="Direction" includeParams="all" id="dirUrl">
          <s:param name="address" value="%{#commercial.id}"/>
        </s:url>
       <area href="<s:property value="#dirUrl"/>"
    </s:iterator>

I am glad that you remembered # character :)

Thank you so much.