Tate County property record for 1197 David Rd, Coldwater, MS 38618 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Year Built | Built 1997 |
| Square Footage | 2,530 sqft Finished Area |
| Lot Size | 1,346,004 sqft (30.9 acres) |
| Garage | Carport |
| Occupancy | Owner Occupied |
| Tax Bill | $1,726.00 (2025) |
| Primary APN | 093 05 0000904 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Building Area | 2,530 sqft Finished Area |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Combination Exterior |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 1,346,004 sqft (30.9 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Carport Area | 400 sqft Carport |
| Shed | 1 Shed |
| Shed Area | 484 sqft Shed |
| Utility Building | 624 sqft Utility Building |
| Street Address | 1197 DAVID RD |
|---|---|
| City | COLDWATER |
| State | MS |
| Zip | 38618-4001 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PT S 1/2 S 1/2 SE 1/4 |
| Legal Range | 07 |
| Legal Township | 05 |
| Legal Section | 05 |
| Jurisdiction | TATE MS |
| Minor Civil Division | 3 |
| Census Blockgroup | 1 |
| Census Block | 1020 |
| Census Tract | 950202 |
Source: Tate County records · APN 093 05 0000904
Assessment roll updated September 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1197 DAVID RD, COLDWATER, MS 38618-4001 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage BANKFIRST FINANCIAL SERVICES |
| May 14, 2026 | Deed of Trust, Mortgage · Line of Credit BANKFIRST FINANCIAL SERVICES |
| May 27, 2022 | Deed of Trust, Mortgage · Stand Alone Refinance SYCAMORE BANK |
| Jul 09, 2018 | Deed of Trust, Mortgage SYCAMORE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 1197 DAVID RD, COLDWATER, MS 38618-4001 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02026/3911 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | 2026/3911 |
| Name | BANKFIRST FINANCIAL SERVICES |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 121 Months |
| Due | Apr 27, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Recording Date | May 14, 2026 |
| Property Address | 1197 DAVID RD, COLDWATER, MS 38618-4001 |
| Document Number | 2026006768 |
| Book / Page | 2026 / 6768 |
| Instrument Date | Mar 23, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1197 DAVID RD, COLDWATER, MS 38618-4001 |
| Document Number | 2026006768, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 2026/6768 |
| Name | BANKFIRST FINANCIAL SERVICES |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 27, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 1197 DAVID RD, COLDWATER, MS 38618-4001 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/8889 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 2022/8889 |
| Name | SYCAMORE BANK |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 49 Months |
| Due | Jun 01, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 1197 DAVID RD, COLDWATER, MS 38618-4001 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000007823 |
|---|---|
| Date | Jul 09, 2018 |
| Book Page | 0000002018/0000007823 |
| Name | SYCAMORE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
Source: Tate County records · Assessment roll updated September 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Tate County |
| Unified School District | Tate County School District (KG - 12) |
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 | $1,726.00 (+15.92%) | $16,545 (+22.7%) Land $2,772 Building $13,773 | $162,044 (+23.35%) Land $24,314 Building $137,730 |
| 2023 | $1,489.00 | $13,484 Land $2,790 Building $10,694 | $131,373 Land $24,433 Building $106,940 |
1197 David Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).
Source: FEMA National Flood Hazard Layer · Tate County (28137C), updated May 3, 2021
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Moderate 53rd percentile of exposed land nationally · 62nd in Mississippi |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 714 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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