109 N Spring St, Tupelo, MS 38804 Property Records

Lee County property record for 109 N Spring St, Tupelo, MS 38804

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,580 sqft · built 1900
Lot Size	0.037 acres (1,652 sqft)
Owner	Company Name on Record
Last Sale	$124,000 (Apr 2021)
Tax Bill	$5,068 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`089K-31-315-00`

Property Details

APN / Parcel Number

Primary APN	`089K-31-315-00`
Alternative APNs	`019211` `19211`

Interior

Building Area	1,580 sqft Heated Area
Gross Area	2,870 sqft
2nd Floor Area	1,264 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Foundation Type	Concrete
Roof Type	Rigid Frame Bar Joist
Roof Material	Tar & Gravel
Lot Area	1,652 sqft (0.037 acres)
Lot Dimensions	68 ft deep x 24.3 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	019211
Old Parcel Number	089K-31-315-00
Street Address	109 N SPRING ST
City	TUPELO
State	MS
Zip	38804-3921
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	NE1/4 PT LOT 35
Legal Range	06E
Legal Township	09S
Legal Section	31
Legal Subdivision	HARRIS & THOMASON
Legal Lot Number	35
Jurisdiction	LEE MS
Township / Civil Division	4
Census Block Group	1
Census Block	1023
Census Tract	950700

Owner

Source: Lee County records, as of October 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4313 RIDGEMONT DR, BELDEN, MS 38826-9782
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI
Mar 1, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2021 · Amount on Record
Deed Sale	Apr 28, 2021 · Amount on Record
Deed Document Number	0020216005
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	109 N SPRING ST, TUPELO, MS 38804-3921
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 N SPRING ST, TUPELO, MS 38804-3955

Mortgage

Document Number	2025013363
Date	Nov 5, 2025
Instrument	2025013363

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	56 Months
Due	Jul 5, 2030

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	109 N SPRING ST, TUPELO, MS 38804-3921
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4313 RIDGEMONT DR, BELDEN, MS 38826-9782

Mortgage

Document Number	2022002995
Date	Mar 1, 2022
Instrument	2022002995

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Feb 20, 2023

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Lee County
Municipality	Tupelo City
Unified School District	Tupelo Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,068.00 (+85.44%)	$37,281 (+82.51%)	$248,540 (+82.51%) Land $30,000 Building $218,540
2023	$2,733.00	$20,427	$136,180 Land $30,000 Building $106,180

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 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 Claims	1 (1979)
Most Recent Claim	Sep 1979 · 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

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

Wildfire Risk	Not rated no burnable land 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 TUPELO serves 37,000 people · EPA ID MS0410015
Water Source	Purchased surface water from N. E. MS. REGIONAL W/S
Last State Inspection	Apr 2021
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20

May also be available: T-Mobile, Tombigbee Fiber.

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