115 Smith St, Petal, MS 39465 Property Records

Forrest County property record for 115 Smith St, Petal, MS 39465

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,728 sqft · built 1958
Lot Size	0.176 acres (7,691 sqft)
Owner	Individual Name on File
Last Sale	$203,400 (Jul 2026)
Tax Bill	$1,252 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2024 Second Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`3-030B-01-292.00`

Property Details

APN / Parcel Number

Primary APN	`3-030B-01-292.00`
Alternative APNs	`161A-2530-001-107.00` `030933` `30933`

Interior

Full Baths	3 Baths
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Shingles
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,691 sqft (0.176 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	30933
Street Address	115 SMITH ST
City	PETAL
State	MS
Zip	39465-2853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 & 8FT ADJ LOT 1 MAGNOLIA PARKS/D B192 P286 1/58 PREV #P63500001
Legal Range	13W
Legal Township	04N
Legal Section	01
Legal Subdivision	MAGNOLIA PARK
Legal Block	1
Legal Lot Number	1,8
Jurisdiction	FORREST MS
Township / Civil Division	3
Census Block Group	2
Census Block	2016
Census Tract	10400

Owner

115 Smith St is owned and occupied by an individual who bought it in July 2026.

Source: Forrest County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	115 SMITH ST, PETAL, MS 39465-2853
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Jul 16, 2026	Warranty Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE
Apr 18, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage REGIONS BANK
Apr 18, 2024	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2026 · Amount on File
Deed Sale	Jul 16, 2026 · Amount on File
Prior Sale	Apr 18, 2024
Deed Document Number	2026892103
Deed Book / Page	1505 / 193
Prior Transfer Date	Apr 5, 2024
Prior Transfer Doc	0000862555
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORREST MS
Recording Date	Jul 16, 2026
Property Address	115 SMITH ST, PETAL, MS 39465-2853
Document Number	0000892103
Book / Page	1505 / 193
Instrument Date	Jul 15, 2026
Instrument	2026892103
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	RUCKETT LAND TITLE INC, LUCKETT LAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 SMITH ST, PETAL, MS 39465-2853

Mortgage

Document Number	0000892103,
Date	Jul 16, 2026
Book Page	2646/109
Instrument	2026892103

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	2646000123,
Date	Jul 16, 2026
Book Page	2646/123

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2036

Interest

Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORREST MS
Property Address	115 SMITH ST, PETAL, MS 39465-2853
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 S GEORGE AVE, PETAL, MS 39465-2085

Mortgage

Document Number	002524/567
Date	Apr 18, 2024
Book Page	2524/567

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	May 1, 2029

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORREST MS
Recording Date	Apr 18, 2024
Property Address	115 SMITH ST, PETAL, MS 39465-2853
Document Number	0001446/77
Book / Page	1446 / 77
Map Reference	MB 8 PG 17
Instrument Date	Apr 18, 2024
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	RUCKETT LAND TITLE INC, LUCKETT LAND TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5421 LEM ST, MILTON, FL 32570-8102

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	115 SMITH ST, PETAL, MS 39465-2853

Mortgage

Document Number	0002524544
Date	Apr 18, 2024
Instrument	2524//544

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 115 Smith St was $1,252 with a homeowner's exemption.

Source: Forrest County assessment roll, as of March 9, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Forrest County
Municipality	Petal City
Unified School District	Petal School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,252.00 Homeowner's exemption	$8,792	$87,920 Land $7,370 Building $80,550
2023	Homeowner's exemption Senior Citizen's exemption	$72,850	$72,850 Land $7,370 Building $65,480

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

Flood

FEMA maps place 115 Smith St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	18 (1980–2026)
Claims Outside the SFHA	2 of 18
Most Recent Claim	May 2026 · 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

Wildfire risk around 115 Smith St 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 65% of the US · lower than 82% of Mississippi
Wildfire Likelihood	0.03% 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 PETAL serves 9,509 people · EPA ID MS0180011
Water Source	Groundwater
Last State Inspection	Jan 2025
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	6 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 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	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: defastlink, T-Mobile.

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