103 Main St, Raleigh, MS 39153 Property Records

Smith County property record for 103 Main St, Raleigh, MS 39153

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,502 sqft · built 1950
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,024 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2025 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103L-07-000-029.02`

Property Details

APN / Parcel Number

Primary APN	`103L-07-000-029.02`
Alternative APNs	`017098` `17098`

Interior

Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,502 sqft Adjusted Area
1st Floor Area	2,123 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	17098
Street Address	103 MAIN ST
City	RALEIGH
State	MS
Zip	39153-6002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT IN NW OF NW4 WEST OF RD
Legal Range	08E
Legal Township	02N
Legal Section	07
Legal Subdivision	NW4NW4S7T2NR8E
Jurisdiction	SMITH MS
Township / Civil Division	5
Census Block Group	1
Census Block	1015
Census Tract	950202

Owner

103 Main St is owned and occupied by two individuals who acquired it in February 2012.

Source: Smith County records, as of January 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 483, RALEIGH, MS 39153-0483
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Jan 3, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES BANK
Nov 6, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 9, 2012
Transfer Doc	000510/444
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH MS
Recording Date	Aug 10, 2026
Property Address	103 MAIN ST, RALEIGH, MS 39153
Document Number	0000002001
Book / Page	716 / 71
Instrument Date	Jul 14, 2026
Instrument	20262001
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002001,
Date	Aug 10, 2026
Book Page	716/71
Instrument	20262001

Lender

Name	PEOPLES BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 14, 2041

Interest

Rate Type	Fixed Rate
Rate	5.81%
Initial Type	Fixed Rate
Max Rate	-1%

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SMITH MS
Property Address	103 MAIN ST, RALEIGH, MS 39153-6002
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000697/949
Date	Jan 3, 2025
Book Page	697/949
Instrument	202500008

Lender

Name	PEOPLES BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SMITH MS
Recording Date	Nov 6, 2024
Property Address	103 MAIN ST, RALEIGH, MS 39153-6002
Document Number	000696/772
Book / Page	696 / 772
Instrument Date	Oct 4, 2024
Instrument	202402637
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 483, RALEIGH, MS 39153-0483

Tax Assessment & Valuation

The 2025 property tax bill for 103 Main St was $1,024 with a homeowner's exemption.

Source: Smith County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Smith County
Municipality	Raleigh Town
Unified School District	Smith County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,024.00 Homeowner's exemption	$9,590	$95,900 Land $9,000 Building $86,900
2023		$7,661	$76,610 Land $9,000 Building $67,610

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

Flood

FEMA maps place 103 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 19, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 103 Main St is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 70% of Mississippi
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 RALEIGH serves 1,901 people · EPA ID MS0650008
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
C Spire Wireless Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	10 / 1

May also be available: T-Mobile, TEC.

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