118 E Spratlin St, Bruce, MS 38915 Property Records

Calhoun County property record for 118 E Spratlin St, Bruce, MS 38915 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,230 sqft · built 1959
Owner	Individual Name on File
Tax Bill	$971 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1409090370031`

Property Details

APN / Parcel Number

Primary APN	`1409090370031`

Interior

Bedrooms	4 Beds
Total Rooms	6 Rooms
Building Area	2,230 sqft Adjusted Area
Interior Walls	Plywood

Exterior

Year Built	Built 1959
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Built-Up Asphalt
Utility Building	128 sqft

Location & Zoning

Street Address	118 E SPRATLIN ST
City	BRUCE
State	MS
Zip	38915-9313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S D BOX SUB DIV PG 29 PT LOT 3 & 4 PT LOT H & I SCHO OL ADD BL 32
Legal Subdivision	BOX SUB DIV
Legal Lot Number	H,3-4
Jurisdiction	CALHOUN MS
Township / Civil Division	2
Census Block Group	1
Census Block	1002
Census Tract	950200

Owner

Source: Calhoun County records · APN 1409090370031

Assessment roll updated September 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Mailing Address	118 E SPRATLIN ST, BRUCE, MS 38915-9313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · FHA Mortgage REGIONS BANK
Jul 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 11, 2017
Deed Sale	Jul 11, 2017
Deed Document Number	0020171399
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MS
Recording Date	May 29, 2026
Property Address	118 E SPRATLIN ST, BRUCE, MS 38915-9313
Document Number	0000001121
Book / Page	475 / 662
Instrument Date	May 22, 2026
Instrument	20261121
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E SPRATLIN ST, BRUCE, MS 38915-9313

Mortgage

Document Number	0000001121,
Date	May 29, 2026
Book Page	475/662
Instrument	20261121

Lender

Name	REGIONS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate	6.23%
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALHOUN MS
Property Address	118 E SPRATLIN ST, BRUCE, MS 38915-9313
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E SPRATLIN ST, BRUCE, MS 38915-9313

Mortgage

Document Number	392/180
Date	Jul 11, 2017
Book Page	392/180
Instrument	2017001400

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2047

Tax Assessment & Valuation

Source: Calhoun County records · Assessment roll updated September 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Calhoun County
Municipality	Bruce Town
Unified School District	Calhoun County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$971.00 (+12.51%)	$9,780 (-) Land $450 Building $9,330	$97,801 (-) Land $4,500 Building $93,301
2023	$863.00	$9,780 Land $450 Building $9,330	$97,801 Land $4,500 Building $93,301

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calhoun County (28013C), updated August 19, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280139502001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1991–2017)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Aug 2017, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 10% of Mississippi
Wildfire Likelihood	About 1 in 3,030 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 195 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Fail Telecommunication	Fiber	1,000 / 1,000
BCI Mississippi Broadband	Cable	1,000 / 20
Telapex	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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