118 Sheppard Dr, Flora, MS 39071 Property Records

Madison County property record for 118 Sheppard Dr, Flora, MS 39071

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,881 sqft · built 1968
Lot Size	0.22 acres (9,605 sqft)
Owner	Individual Name on File
Tax Bill	$667 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051B-09C-039`

Property Details

APN / Parcel Number

Primary APN	`051B-09C-039`
Alternative APNs	`051B-09C-039/00.00` `469`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,881 sqft Adjusted Area
Gross Area	1,858 sqft
1st Floor Area	1,858 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,605 sqft (0.22 acres)
Deck Area	320 sqft
Patio Area	320 sqft
Utility Building	200 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	469
Street Address	118 SHEPPARD DR
City	FLORA
State	MS
Zip	39071-9728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 SHEPPARD ESTATES A@131
Legal Range	01W
Legal Township	08N
Legal Section	09
Legal Subdivision	SHEPPARD ESTATES PT 1
Legal Lot Number	12
Jurisdiction	MADISON MS
Township / Civil Division	4
Census Block Group	2
Census Block	2024
Census Tract	30302

Owner

118 Sheppard Dr is owned and occupied by an individual who acquired it in January 2026.

Source: Madison County records, as of February 4, 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	Individual Name on File
Mailing Address	PO BOX 242, FLORA, MS 39071-0242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2026
Deed Sale	Jan 27, 2026
Prior Sale	Jan 27, 2026
Deed Document Number	20261044875
Deed Book / Page	4641 / 462
Prior Transfer Date	Jan 23, 2026
Prior Transfer Doc	0001044872
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	Jun 10, 2022
Property Address	118 SHEPPARD DR, FLORA, MS 39071-9728
Document Number	004221/431
Book / Page	4221 / 431
Map Reference	CAB A SL 131
Instrument Date	Jun 10, 2022
Instrument	958863
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1905 CLEARY RD, 1905, FLORENCE, MS 39073-9223

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	118 SHEPPARD DR, FLORA, MS 39071-9728

Mortgage

Document Number	0000958864
Date	Jun 10, 2022
Instrument	958864

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 118 Sheppard Dr was $667 with a homeowner's exemption, down 53.7% from the year before.

Source: Madison County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Madison County
Municipality	Flora Town
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$667.00 (-53.74%) Homeowner's exemption	$7,916	$79,160 Land $24,000 Building $55,160
2024	$1,442.00
2023	$1,442.00	$11,805	$78,700 Land $24,000 Building $54,700

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

Flood

FEMA maps place 118 Sheppard Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	3 (1984–2014)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2014 · 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 118 Sheppard Dr 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 67% of the US · lower than 84% of Mississippi
Wildfire Likelihood	0.03% 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	TOWN OF FLORA #1 serves 1,653 people · EPA ID MS0450008
Water Source	Groundwater
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	None 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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
NETSPEEDMS Fixed Wireless	499 / 285