118 Cole Rd, Collins, MS 39428 Property Records

Covington County property record for 118 Cole Rd, Collins, MS 39428

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,039 sqft · built 1870
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$55,700 (Mar 2014)
Deeds & Mortgages	May 2022 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`098028 00900`

Property Details

APN / Parcel Number

Primary APN	`098028 00900`
Alternative APN	`7328`

Interior

Full Baths	1 Bath
Building Area	1,039 sqft Adjusted Area
1st Floor Area	800 sqft
Flooring	Tile
Interior Walls	Plywood

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Carport
Garage Area	192 sqft
Carport	Carport
Carport Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	7328
Street Address	118 COLE RD
City	COLLINS
State	MS
Zip	39428-5909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A LOT SE4 SW4 NE4 S OF RD B 0308 P 0137 03/19/2014
Legal Range	15W
Legal Township	09N
Legal Section	28
Jurisdiction	COVINGTON MS
Township / Civil Division	5
Census Block Group	3
Census Block	3022
Census Tract	950100

Owner

Source: Covington County records, as of June 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	118 COLE RD, COLLINS, MS 39428-5909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 6, 2020	Deed of Trust, Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2014 · Amount on Record
Deed Sale	Mar 19, 2014 · Amount on Record
Prior Sale	Nov 20, 2008
Deed Book / Page	308 / 137
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	118 COLE RD, COLLINS, MS 39428-5909
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 COLE RD, COLLINS, MS 39428-5909

Mortgage

Document Number	000802/162
Date	May 27, 2022
Book Page	802/162

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	118 COLE RD, COLLINS, MS 39428-5909
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000772/144
Date	Jan 6, 2020
Book Page	772/144
Instrument	1062238

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Covington County assessment roll, as of June 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$4,472 (-)
2024		$44,720 (-) Land $4,130 Building $40,590
2023	$4,472	$44,720 Land $4,130 Building $40,590

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 April 5, 2010 · 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	3 (2008–2010)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jun 2010 · 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

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

Wildfire Risk	Moderate above 56% of the US · above 68% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	OKATOMA WATER ASSOCIATION #1 public/private · serves 3,981 people · EPA ID MS0640009
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	3 ppb (2023–2025) 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TEC Fiber	1,000 / 1,000

May also be available: C Spire Wireless.

Cell Coverage

5G and 4G LTE (outdoors only)

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