108 S Front St, Winona, MS 38967 Property Records

Montgomery County property record for 108 S Front St, Winona, MS 38967

Property Summary

Property Type	Office Building
Details	8,426 sqft · built 1970
Lot Size	0.231 acres (10,080 sqft)
Owner	Company Name on File
Tax Bill	$3,344 (2025)
Deeds & Mortgages	Feb 2014 Mortgage Jan 2009 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`322 251200 0000004400`

Property Details

APN / Parcel Number

Primary APN	`322 251200 0000004400`

Interior

Building Area	8,426 sqft Adjusted Area
Flooring	Terrazzo
Interior Walls	Plywood

Exterior

Year Built	Built 1970
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Built-Up Asphalt
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	120 ft deep x 84 ft wide

Location & Zoning

Street Address	108 S FRONT ST
City	WINONA
State	MS
Zip	38967-2544
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	LOTS 44 AND 46 N 4 FT LOT 47(84' X 120')
Legal Lot Number	44,47
Jurisdiction	MONTGOMERY MS
Township / Civil Division	3
Census Block Group	1
Census Block	1047
Census Tract	950302

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Winona Commercial Historic District listed 1994 · 27 contributing resources · NRIS 94000659

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

108 S Front St, a commercial property, is owned by a company that acquired it in May 2021.

Source: Montgomery County records, as of January 26, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 749, WINONA, MS 38967-0749
Owner Type	Company

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
Feb 26, 2014	Deed of Trust, Mortgage · Stand-Alone First Mortgage BANK OF KILMICHAEL
Jan 23, 2009	Deed of Trust, Mortgage · Stand-Alone First Mortgage BANK OF KILMICHAEL
Jan 23, 2009	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2021
Deed Sale	May 20, 2021
Deed Document Number	0020211370
Prior Transfer Date	Jan 23, 2009
Prior Transfer Doc	000A227367
Record Updated	Jun 8, 2026

February 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MS
Property Address	108 S FRONT ST, WINONA, MS 38967-2544
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000334/271
Date	Feb 26, 2014
Book Page	334/271

Lender

Name	BANK OF KILMICHAEL
Address	KILMICHAEL, MS 39747

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 20, 2019

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MS
Property Address	108 S FRONT ST, WINONA, MS 38967-2544
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 S FRONT ST, WINONA, MS 38967-2544

Mortgage

Document Number	0000295/61
Date	Jan 23, 2009
Book Page	295/61

Lender

Name	BANK OF KILMICHAEL
Address	KILMICHAEL, MS 39747

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY MS
Recording Date	Jan 23, 2009
Property Address	108 S FRONT ST, WINONA, MS 38967-2544
Document Number	00A227/367
Book / Page	A227 / 367
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 390, WINONA, MS 38967-0390

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 110, WINONA, MS 38967-0110

Tax Assessment & Valuation

The 2025 property tax bill for 108 S Front St was $3,344.

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Montgomery County
Municipality	Winona City
Unified School District	Winona-Montgomery County Consolidated School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,344.00	$19,229 Land $1,200 Building $18,029	$128,194 Land $8,000 Building $120,194
2023	$3,395.00	$19,229 Land $1,200 Building $18,029	$128,194 Land $8,000 Building $120,194

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

Flood

FEMA maps place 108 S Front St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 10, 2025 · 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	6 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 108 S Front St is low, with a 0.01% 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	0.01% 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	CITY OF WINONA serves 5,071 people · EPA ID MS0490010
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 ppb (2022–2024) 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	5 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50

May also be available: C Spire Wireless.

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