120 Carter St, Flora, MS 39071 Property Records

Madison County property record for 120 Carter St, Flora, MS 39071 · Last verified December 2025

Property Summary

Property Type	Duplex
Details	2,622 sqft · built 1980
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on File
Tax Bill	$2,047 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051E-16B-007`

Property Details

APN / Parcel Number

Primary APN	`051E-16B-007`
Alternative APNs	`051E-16B-007/00.00` `678`

Interior

Stories	1 Story
Building Area	2,622 sqft Adjusted Area
1st Floor Area	2,310 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	678
Old Parcel Number	051E-16B-007/00.00
Street Address	120 CARTER ST
City	FLORA
State	MS
Zip	39071-3000
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 1 JONES ADDITION BLK 25
Legal Range	01W
Legal Township	08N
Legal Section	16
Legal Subdivision	JONES ADDITION
Legal Block	25
Legal Lot Number	1
Jurisdiction	MADISON MS
Township / Civil Division	4
Census Block Group	2
Census Block	2016
Census Tract	30302

Owner

Source: Madison County records · APN 051E-16B-007

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	Company Name on File
Mailing Address	PO BOX 70, FLORA, MS 39071-0070
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 05, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANK OF FOREST
Nov 02, 2018	Deed of Trust, Mortgage BANK OF FOREST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 09, 2023
Deed Sale	Feb 09, 2023
Deed Document Number	0004301268
Record Updated	Jun 08, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	120 CARTER ST, FLORA, MS 39071-3000
Transaction Type	Mortgage
Record Updated	Apr 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 70, FLORA, MS 39071-0070

Mortgage

Document Number	004317/914
Date	Apr 05, 2023
Book Page	4317/914
Instrument	979661

Lender

Name	BANK OF FOREST
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 02, 2028

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	120 CARTER ST, FLORA, MS 39071-3000
Document Number	0000853792
Instrument Date	Nov 02, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 70 FLORA MS 390710070, FLORA, MS 39071-0070

Mortgage

Document Number	0000853792
Date	Nov 13, 2018
Book Page	003666/000101
Instrument	853792

Lender

Name	BANK OF FOREST
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Nov 12, 2023

Tax Assessment & Valuation

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

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	$2,047.00 (-6.49%)	$16,755 (-6.44%)	$111,700 (-6.44%) Land $20,000 Building $91,700
2024	$2,189.00
2023	$2,189.00	$17,909	$119,390 Land $20,000 Building $99,390

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Madison County (28089C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280890303022, 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
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Low above 20% of the US · above 10% of Mississippi
Wildfire Likelihood	About 1 in 3,571 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 77 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Telapex	Fiber	8,000 / 8,000
Ozborn Communications	Fixed Wireless (licensed-by-rule)	499 / 285

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

Mobile Coverage

5G (outdoors only) and 4G LTE

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