128 Saint Charles Ave, Florence, MS 39073 Property Records

Rankin County property record for 128 Saint Charles Ave, Florence, MS 39073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,017 sqft · built 2020
Lot Size	1.83 acres (79,948 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,733 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C04 000145 00290`

Property Details

APN / Parcel Number

Primary APN	`C04 000145 00290`
Alternative APN	`63170`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,017 sqft Adjusted Area
1st Floor Area	2,390 sqft
2nd Floor Area	157 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Shingle
Lot Area	79,948 sqft (1.83 acres)
Patio Area	655 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	63170
Street Address	128 SAINT CHARLES AVE
City	FLORENCE
State	MS
Zip	39073-8090
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 29 ARCADIA SUBV
Legal Subdivision	ARCADIA SUB
Legal Lot Number	29
Jurisdiction	RANKIN MS
Township / Civil Division	1
Census Block Group	2
Census Block	2009
Census Tract	21003

Owner

Source: Rankin County records, as of July 20, 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	2 Individual Names on File
Mailing Address	813 WINDWARD DR, RICHLAND, MS 39218-9500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Deed of Trust, Mortgage · Line of Credit CADENCE BANK
Aug 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANCORPSOUTH BANK
Oct 17, 2017	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANKIN MS
Property Address	128 SAINT CHARLES AVE, FLORENCE, MS 39073-8090
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052620
Date	Jul 10, 2023
Book Page	3023/52620

Lender

Name	CADENCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 26, 2048

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANKIN MS
Property Address	128 SAINT CHARLES AVE, FLORENCE, MS 39073-8090
Transaction Type	Mortgage
Record Updated	Nov 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010454
Date	Aug 5, 2021
Book Page	3021/10454

Lender

Name	BANCORPSOUTH BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2031

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RANKIN MS
Recording Date	Oct 17, 2017
Property Address	128 SAINT CHARLES AVE, FLORENCE, MS 39073-8090
Document Number	0000024124
Instrument	24124
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Rankin County assessment roll, as of March 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,733.00 Homeowner's exemption	$29,015 (+12.97%)
2024	$2,733.00 (+796.07%)		$290,150 (+12.97%) Land $20,000 Building $270,150
2023		$25,683
2021			$256,830 Land $20,000 Building $236,830
2019	$305.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 15, 2022 · 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	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2011 · 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

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

Wildfire Risk	Moderate above 43% of the US · lower than 60% of Mississippi
Wildfire Likelihood	0.06% 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	SW RANKIN WATER ASSOCIATION #1 public/private · serves 3,128 people · EPA ID MS0610026
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Windstream DSL	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Xfinity.

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