115 E Main St, Starkville, MS 39759 Property Records

Oktibbeha County property record for 115 E Main St, Starkville, MS 39759

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4,877 sqft · built 1900
Lot Size	0.108 acres (4,708 sqft)
Owner	Company Name on File
Last Sale	$650,000 (Oct 2024)
Tax Bill	$7,336 (2025)
Deeds & Mortgages	Apr 2009 Line of Credit Nov 2012 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`118P-00-166.01`

Property Details

APN / Parcel Number

Primary APN	`118P-00-166.01`
Alternative APN	`025589`

Interior

Building Area	4,877 sqft Adjusted Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Metal
Lot Area	4,708 sqft (0.108 acres)
Lot Dimensions	108 ft deep x 43.6 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	E MAIN ST
State	MS
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	LOT 13 CITY BLOCK 6 MAP 118P DB/PG 2012/6623 2024/7170
Legal Lot Number	13
Jurisdiction	OKTIBBEHA MS
Township / Civil Division	5
Census Block Group	1
Census Block	1010
Census Tract	950500

Owner

Source: Oktibbeha County assessment roll, as of September 1, 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 File
Mailing Address	PO BOX 2564, STARKVILLE, MS 39760-2564
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2009	Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA
Nov 8, 2012	Deed of Trust, Mortgage · Commercial Mortgage MERCHANTS & FARMERS BANK
Oct 23, 2012	Deed of Trust, Mortgage · Commercial Mortgage MERCHANTS & FARMERS BANK
Oct 23, 2012	Warranty Deed, Transfer · Commercial Mortgage MERCHANTS & FARMERS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 15, 2024 · Amount on Record
Deed Sale	Oct 15, 2024 · Amount on Record
Deed Document Number	0020247170
Deed Book / Page	2012 / 06623
Prior Transfer Date	Oct 23, 2012
Prior Transfer Doc	0201206623
Record Updated	Jun 8, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKTIBBEHA MS
Property Address	E MAIN ST, MS
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009/05537
Date	Apr 16, 2009
Book Page	2009/05537

Lender

Name	CADENCE BANK NA
Type	Bank
Address	STARKVILLE, MS 39760

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	47 Months
Due	Mar 9, 2013

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKTIBBEHA MS
Property Address	E MAIN ST, MS
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012/22255
Date	Nov 8, 2012
Book Page	2012/22255

Lender

Name	MERCHANTS & FARMERS BANK
Type	Bank
Address	STARKVILLE, MS 39759

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 20, 2027

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKTIBBEHA MS
Property Address	E MAIN ST, MS
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2012/20803
Date	Oct 23, 2012
Book Page	2012/20803

Lender

Name	MERCHANTS & FARMERS BANK
Type	Bank
Address	STARKVILLE, MS 39759

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 20, 2027

October 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKTIBBEHA MS
Recording Date	Oct 23, 2012
Property Address	E MAIN ST, MS
Document Number	2012/06623
Book / Page	2012 / 06623
Instrument Date	Oct 23, 2012
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 S LAFAYETTE ST, STARKVILLE, MS 39759-2947

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2575 WADE RD, STARKVILLE, MS 39759

Mortgage

Document Number	0201220821
Date	Oct 23, 2012
Instrument	2012/20821

Lender

Name	MERCHANTS & FARMERS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 20, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,336.00 (+61.2%)	$46,605 (+58.8%)	$310,700 (+58.8%) Land $50,000 Building $260,700
2024	$4,551.00	$29,348 (-)	$195,650 (-) Land $50,000 Building $145,650
2023	$4,551.00	$29,348	$195,650 Land $50,000 Building $145,650

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 6, 2014 · 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
Community Rating System	Class 8 (10% premium discount)
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

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SESSUMS WATER ASSOCIATION public/private · serves 1,117 people · EPA ID MS0530019
Water Source	Groundwater
Last State Inspection	Dec 2024
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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BCI Mississippi Broadband Fiber · Cable	10,000 / 10,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA, Telapex.

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