138 Zelma Ln, Florence, MS 39073 Property Records

Rankin County property record for 138 Zelma Ln, Florence, MS 39073

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,783 sqft · built 1996
Lot Size	0.398 acres (17,360 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,268 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Sep 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D04J000002 00016D`

Property Details

APN / Parcel Number

Primary APN	`D04J000002 00016D`
Alternative APN	`1975`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,783 sqft Adjusted Area
1st Floor Area	2,181 sqft
2nd Floor Area	144 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Shingle
Lot Area	17,360 sqft (0.398 acres)
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1975
Street Address	138 ZELMA LN
City	FLORENCE
State	MS
Zip	39073-8301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLK D SOUTHERN ACRES PT 2 DB 294 PG 364 0020173 DB 661 PG 0571 0010493 DB 747 PG 0179 0052496
Legal Range	01E
Legal Township	04N
Legal Section	26
Legal Subdivision	SOUTHERN ACRES PART TWO
Legal Block	D
Legal Lot Number	16
Jurisdiction	RANKIN MS
Township / Civil Division	1
Census Block Group	1
Census Block	1003
Census Tract	21001

Owner

Source: Rankin County records, as of July 20, 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 Record
Mailing Address	138 ZELMA LN, FLORENCE, MS 39073-8301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Sep 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance REGIONS BANK
Feb 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance REGIONS BANK

Assessor's Deed Record

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

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANKIN MS
Property Address	138 ZELMA LN, FLORENCE, MS 39073-8301
Transaction Type	Mortgage
Record Updated	Aug 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062566
Date	Aug 10, 2023
Book Page	3023/62566

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANKIN MS
Property Address	138 ZELMA LN, FLORENCE, MS 39073-8301
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092262
Date	Sep 2, 2022
Book Page	3022/92262

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANKIN MS
Property Address	138 ZELMA LN, FLORENCE, MS 39073-8301
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014494
Date	Feb 8, 2022
Book Page	3022/14494

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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	$1,268.00 (-40.8%) Homeowner's exemption Senior Citizen's exemption	$23,368 (+3.84%)
2024	$2,142.00 (+73.16%)		$233,680 (+3.84%) Land $5,000 Building $228,680
2023		$22,503
2021			$225,030 Land $5,000 Building $220,030
2019	$1,237.00

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	2 in force

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 40% of the US · lower than 70% 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	CLEARY WATER SEWER & FIRE DEPT serves 2,500 people · EPA ID MS0610022
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: C Spire Wireless, Windstream.

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