1040 Spruce St, Clarksdale, MS 38614 Property Records

Coahoma County property record for 1040 Spruce St, Clarksdale, MS 38614

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,355 sqft · built 1964
Owner	Individual Name on Record
Tax Bill	$647 (2022)
Deeds & Mortgages	May 2021 Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`383 221560003 0001900`

Property Details

APN / Parcel Number

Primary APN	`383 221560003 0001900`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Building Area	1,355 sqft Adjusted Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle

Location & Zoning

Street Address	1040 SPRUCE ST
City	CLARKSDALE
State	MS
Zip	38614-3606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 BLK 3
Legal Subdivision	WESTHAVEN SUB
Legal Block	3
Legal Lot Number	19
Jurisdiction	COAHOMA MS
Township / Civil Division	5
Census Block Group	3
Census Block	3024
Census Tract	950500

Owner

Source: Coahoma County records, as of December 10, 2025

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	1040 SPRUCE ST, CLARKSDALE, MS 38614-3606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 4, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2021
Deed Sale	May 4, 2021
Prior Sale	Mar 29, 2006
Deed Document Number	20213060
Deed Book / Page	2021 / 3060
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COAHOMA MS
Property Address	1040 SPRUCE ST, CLARKSDALE, MS 38614-3606
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SPRUCE ST, CLARKSDALE, MS 38614-3606

Mortgage

Document Number	02021/2338
Date	May 4, 2021
Book Page	2021/2338
Instrument	20212338

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COAHOMA MS
Recording Date	May 4, 2021
Property Address	1040 SPRUCE ST, CLARKSDALE, MS 38614-3606
Document Number	02021/3060
Book / Page	2021 / 3060
Instrument Date	Apr 20, 2021
Instrument	20213060
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SPRUCE ST, CLARKSDALE, MS 38614-3606

Tax Assessment & Valuation

Source: Coahoma County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Coahoma County
Municipality	Clarksdale City
Unified School District	Clarksdale Municipal School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$5,133 (-) Land $600 Building $4,533	$51,332 (-) Land $6,000 Building $45,332
2023		$5,133 Land $600 Building $4,533	$51,332 Land $6,000 Building $45,332
2022	$647.00

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 December 15, 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 Claims	2 (1980–1981)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 1981 · rainfall accumulation

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 97% of the US · lower than 98.1% of Mississippi
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CLARKDALE WATER ASSN # 1 public/private · serves 4,500 people · EPA ID MS0380001
Water Source	Groundwater
Last State Inspection	Nov 2025
Also Mapped Here	CLARKSDALE PUBLIC UTILITIES
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Uplink Internet.

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