120 Andover Dr, Flora, MS 39071 Property Records

Madison County property record for 120 Andover Dr, Flora, MS 39071

Property Summary

Property Type	Other Improved
Details	3,575 sqft · built 2017
Lot Size	6.9 acres (300,564 sqft)
Owner	Company Name on File
Tax Bill	$4,113 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051A-02-059`

Property Details

APN / Parcel Number

Primary APN	`051A-02-059`
Alternative APNs	`051A-02-059/00.00` `43579`

Interior

Building Area	3,575 sqft Adjusted Area
1st Floor Area	2,913 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	300,564 sqft (6.9 acres)

Location & Zoning

Account Number	43579
Street Address	120 ANDOVER DR
City	FLORA
State	MS
Zip	39071-9210
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R1
Legal Description	LOT 56 ANDOVER PART 1 -6.9AC-
Legal Range	01W
Legal Township	08N
Legal Section	02
Legal Subdivision	ANDOVER PART 1
Legal Lot Number	56
Jurisdiction	MADISON MS
Township / Civil Division	4
Census Block Group	4
Census Block	4014
Census Tract	30302

Owner

120 Andover Dr is owned by a company that acquired it in October 2025 and is owner-occupied.

Source: Madison County records, as of July 17, 2026

Owner of Record	Company Name on File
Mailing Address	440 CANE CREEK RD, FLORA, MS 39071-9630
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

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 10, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Mar 26, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Mar 25, 2020	Deed of Trust, Mortgage BANCORPSOUTH
Apr 24, 2017	Deed of Trust, Mortgage TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2025
Deed Sale	Oct 20, 2025
Prior Sale	Apr 1, 2021
Deed Document Number	20251037146
Deed Book / Page	4609 / 175
Prior Transfer Date	Aug 31, 2023
Prior Transfer Doc	0000988750
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Recording Date	Jul 10, 2026
Property Address	120 ANDOVER DR, FLORA, MS 39071-9210
Document Number	0001055256
Book / Page	4704 / 733
Instrument Date	Jun 9, 2026
Instrument	20261055256
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ANDOVER DR, FLORA, MS 39071-9210

Mortgage

Document Number	0001055256,
Date	Jul 10, 2026
Book Page	4704/733
Instrument	20261055256

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 9, 2056

Interest

Rate	6.36%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	120 ANDOVER DR, FLORA, MS 39071-9210
Transaction Type	Mortgage
Record Updated	Aug 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ANDOVER DR, FLORA, MS 39071-9210

Mortgage

Document Number	4011/760
Date	Mar 26, 2021
Book Page	4011/760
Instrument	921739

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	MADISON, MS 39110

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 26, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	120 ANDOVER DR, FLORA, MS 39071-9210
Document Number	0000888129
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 ANDOVER DR FLORA MS 390719210, FLORA, MS 39071-9210

Mortgage

Document Number	0000888129
Date	Mar 31, 2020
Book Page	003834/000203
Instrument	888129

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 30, 2035

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	120 ANDOVER DR, FLORA, MS 39071-9210
Document Number	0000811349
Book / Page	003471 / 000411
Instrument Date	Apr 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 2, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 ANDOVER DR FLORA MS 390719210, FLORA, MS 39071-9210

Mortgage

Document Number	0000811349
Date	Apr 26, 2017
Book Page	003471/000411
Instrument	811349

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	PO BOX BOX 22869, JACKSON, MS 39225

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 120 Andover Dr was $4,113 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,113.00 Homeowner's exemption	$49,007	$490,070 Land $138,000 Building $352,070
2024	$4,113.00 (-9.72%)
2023	$4,556.00 Homeowner's exemption	$49,007	$490,070 Land $138,000 Building $352,070

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

Flood

FEMA maps place 120 Andover Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1983–2008)
Claims Outside the SFHA	4 of 4
Most Recent Claim	May 2008 · river or lake flooding

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 120 Andover Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Mississippi
Wildfire Likelihood	0.02% 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	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 10 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Andover Dr

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