1398 Monterey Rd, Florence, MS 39073 Property Records

Rankin County property record for 1398 Monterey Rd, Florence, MS 39073

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,829 sqft · built 1974
Lot Size	3.19 acres (138,956 sqft)
Owner	2 Individual Names on File
Last Sale	$392,500 (Nov 2021)
Tax Bill	$2,234 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`F05 000092 00000`

Property Details

APN / Parcel Number

Primary APN	`F05 000092 00000`
Alternative APN	`13389`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,829 sqft Adjusted Area
1st Floor Area	1,711 sqft
2nd Floor Area	454 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2016
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Shingle
Lot Area	138,956 sqft (3.19 acres)
Garage Area	750 sqft
Porch	Porch
Porch Area	570 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	13389
Street Address	1398 MONTEREY RD
City	FLORENCE
State	MS
Zip	39073-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.19A IN NE4 NE4 S RD DB 260 PG 47 0051570 DB 560 PG 0671 0082388
Legal Range	02E
Legal Township	04N
Legal Section	22
Jurisdiction	RANKIN MS
Township / Civil Division	3
Census Block Group	2
Census Block	2000
Census Tract	21004

Owner

1398 Monterey Rd is owned and occupied by two individuals who bought it in November 2021.

Source: Rankin County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1398 MONTEREY RD, FLORENCE, MS 39073-9707
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 17, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage COPIAH BANK
Nov 17, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage COPIAH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2021 · Amount on File
Deed Sale	Nov 17, 2021 · Amount on File
Prior Sale	Jul 29, 2020 · Amount on File
Deed Book / Page	2021 / 30021
Prior Transfer Date	Feb 15, 2013
Prior Transfer Doc	2013002953
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANKIN MS
Property Address	1398 MONTEREY RD, FLORENCE, MS 39073-9707
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015165
Date	Nov 17, 2021
Book Page	3021/15165

Lender

Name	COPIAH BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANKIN MS
Recording Date	Nov 17, 2021
Property Address	1398 MONTEREY RD, FLORENCE, MS 39073-9707
Document Number	0000030021
Book / Page	2021 / 30021
Instrument Date	Nov 16, 2021
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1398 MONTEREY RD, FLORENCE, MS 39073-9707

Mortgage

Document Number	0302115165
Date	Nov 17, 2021
Instrument	3021/15165

Lender

Name	COPIAH BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1398 Monterey Rd was $2,234 with a homeowner's exemption, up % from the year before.

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	$2,234.00 (+0.04%) Homeowner's exemption	$25,200
2024	$2,233.00		$252,000 Land $21,000 Building $231,000
2023		$22,052
2021			$220,520 Land $21,000 Building $199,520
2019	$1,400.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1398 Monterey Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

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	5 in force
Nearby Flood Claims	5 (2016–2020)
Most Recent Claim	Apr 2020 · 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

Wildfire risk around 1398 Monterey Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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	0.05% 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	TOWN OF FLORENCE serves 5,824 people · EPA ID MS0610009
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2024 Haloacetic acids not recorded as resolved · Apr 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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