108 Cottage Dr, Natchez, MS 39120 Property Records

Adams County property record for 108 Cottage Dr, Natchez, MS 39120

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,843 sqft · built 1961
Owner	Individual Name on File
Tax Bill	$1,018 (2025)
Deeds & Mortgages	May 2018 Refinance Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`0187A0001 0019`

Property Details

APN / Parcel Number

Primary APN	`0187A0001 0019`
Alternative APNs	`007390` `7390`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,843 sqft Living Area
1st Floor Area	1,843 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	7390
Street Address	108 COTTAGE DR
City	NATCHEZ
State	MS
Zip	39120-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H&L#E 1ST ADDN COTTAGE HOME S/D MAP#40-101-49 + ADJOINING LAND
Legal Range	02W
Legal Township	07N
Legal Subdivision	COTTAGE HOME S/D
Jurisdiction	ADAMS MS
Township / Civil Division	4
Census Block Group	2
Census Block	2005
Census Tract	500

Owner

108 Cottage Dr is owned and occupied by an individual who acquired it in February 2019.

Source: Adams County records, as of March 9, 2026

Owner of Record	Individual Name on File
Mailing Address	108 COTTAGE DR, NATCHEZ, MS 39120-2108
Occupancy	Owner Occupied
Owner Type	Individual

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
May 21, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance DELTA BANK
Apr 3, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2019
Deed Sale	Feb 27, 2019
Deed Document Number	000027Q246
Deed Book / Page	27I / 706
Prior Transfer Date	Apr 3, 2018
Prior Transfer Doc	119627
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS MS
Property Address	108 COTTAGE DR, NATCHEZ, MS 39120-2108
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	922/384
Date	May 21, 2018
Book Page	922/384
Instrument	120235

Lender

Name	DELTA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS MS
Recording Date	Apr 3, 2018
Property Address	108 COTTAGE DR, NATCHEZ, MS 39120-2108
Document Number	00027I/706
Book / Page	27I / 706
Instrument Date	Mar 27, 2018
Instrument	119627
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WOODVILLE DR, NATCHEZ, MS 39120-4620

Tax Assessment & Valuation

The 2025 property tax bill for 108 Cottage Dr was $1,018 with a homeowner's exemption, up 30.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Adams County
Unified School District	Natchez-Adams School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,018.00 (+30.68%) Homeowner's exemption	$10,764 (+26.49%)	$107,640 (+26.49%) Land $9,600 Building $98,040
2024	$779.00 (+0.91%) Homeowner's exemption	$8,510 (-)	$85,100 (-) Land $9,600 Building $75,500
2023	$772.00 (+11.24%) Homeowner's exemption Disabled Person's exemption	$8,510 (-) Land $960 Building $7,550	$85,100 Land $9,600 Building $75,500
2022	$694.00 Homeowner's exemption	$8,510
2021			$85,100 Land $9,600 Building $75,500

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

Flood

FEMA maps place 108 Cottage Dr in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective June 16, 2011 · 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	9 (1979–1984)
Most Recent Claim	May 1984 · tidal / storm surge

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 108 Cottage Dr is low, with a 0.03% annual chance of 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	0.03% 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	ADAMS CO W/A #4-KAISER LAKE public/private · serves 8,078 people · EPA ID MS0010015
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	4 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	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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: C Spire Wireless.

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