103 Main St, Collins, MS 39428 Property Records

Covington County property record for 103 Main St, Collins, MS 39428

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	0.5 ba · 593 sqft · built 1940
Lot Size	0.03 acres (1,328 sqft)
Owner	Individual Name on Record
Tax Bill	$226 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`136J24 03001`

Property Details

APN / Parcel Number

Primary APN	`136J24 03001`
Alternative APN	`16187`

Interior

Full Baths	0.5 Baths
Half Baths	1 Half Bath
Units	94 Units
Stories	1 Story
Building Area	593 sqft Adjusted Area
1st Floor Area	572 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Roof Type	Wood Truss
Roof Material	Tar & Gravel
Lot Area	1,328 sqft (0.03 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	16187
Street Address	103 MAIN ST
City	COLLINS
State	MS
Zip	39428-6193
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	E 12 1/2 OF LOT 15 BLK 6 B 0368 P 0163 09/19/2024
Legal Range	16W
Legal Township	08N
Legal Section	24
Legal Subdivision	ORIGINAL SURVEY
Legal Block	6
Legal Lot Number	15
Jurisdiction	COVINGTON MS
Township / Civil Division	3
Census Block Group	1
Census Block	1009
Census Tract	950200

Owner

Source: Covington County records, as of June 30, 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 Record
Mailing Address	519 LAKE MIKE CONNER RD, COLLINS, MS 39428-4083
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK
Sep 30, 2024	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK
Sep 19, 2024	Warranty Deed, Transfer · Commercial Mortgage PEOPLES BANK
Dec 20, 2022	Deed, Transfer · Line of Credit PEOPLES BANK
Mar 8, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2017
Deed Sale	Mar 8, 2017
Deed Book / Page	323 / 273
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	103 MAIN ST, COLLINS, MS 39428-6193
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 LAKE MIKE CONNER RD, COLLINS, MS 39428-4083

Mortgage

Document Number	002026/855
Date	Feb 9, 2026
Book Page	2026/855

Lender

Name	PEOPLES BANK
Type	Bank
Address	MENDENHALL, MS 39114

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 12, 2041

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	103 MAIN ST, COLLINS, MS 39428-6193
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 LAKE MIKE CONNER RD, COLLINS, MS 39428-4083

Mortgage

Document Number	000828/336
Date	Sep 30, 2024
Book Page	828/336

Lender

Name	PEOPLES BANK
Type	Bank
Address	MENDENHALL, MS 39114

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 30, 2039

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON MS
Recording Date	Sep 19, 2024
Property Address	103 MAIN ST, COLLINS, MS 39428-6193
Document Number	000368/163
Book / Page	368 / 163
Instrument Date	Sep 18, 2024
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	UNKNOWN, DEEP SOUTH TITLE COLLINS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	129 DAVID LITTLE DR, MOUNT OLIVE, MS 39119-5498

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 LAKE MIKE CONNER RD, COLLINS, MS 39428-4083

Mortgage

Document Number	0000828138
Date	Sep 19, 2024
Instrument	828/138

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 30, 2039

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	COVINGTON MS
Recording Date	Dec 20, 2022
Property Address	103 MAIN ST, COLLINS, MS 39428-6193
Document Number	0000358/72
Book / Page	358 / 72
Instrument Date	Dec 19, 2022
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	UNKNOWN, DEEP SOUTH TITLE COLLINS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 HIGHWAY 35, COLLINS, MS 39428-6211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 DAVID LITTLE DR, MOUNT OLIVE, MS 39119-5498

Mortgage

Document Number	0000080940
Date	Dec 20, 2022
Instrument	809/40

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 19, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON MS
Recording Date	Mar 8, 2017
Property Address	103 MAIN ST, COLLINS, MS 39428-6193
Document Number	000323/273
Book / Page	323 / 273
Instrument Date	Mar 8, 2017
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13 EVELYN DR, OCEAN SPRINGS, MS 39564-5013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 HIGHWAY 12 E, KOSCIUSKO, MS 39090-3402
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Covington County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Covington County
Municipality	Collins City
Unified School District	Covington County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$226.00	$2,564 (-)
2024	$226.00 (+5.12%)	$2,564 (-)	$17,090 (-) Land $2,000 Building $15,090
2023		$2,564 (-)	$17,090 (-) Land $2,000 Building $15,090
2022	$215.00 (+48.28%)	$2,564	$17,090 Land $2,000 Building $15,090
2019	$145.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 5, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	12 (1980–2021)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Aug 2021 · Hurricane Ida

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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 90% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF COLLINS serves 2,921 people · EPA ID MS0160002
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Swyft Connect Fiber	1,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

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