1404 Bluff Rd, Coldwater, MS 38618 Property Records

Tate County property record for 1404 Bluff Rd, Coldwater, MS 38618

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,309 sqft · built 2007
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$54,400 (Dec 2017)
Tax Bill	$1,014 (2025)
Deeds & Mortgages	Aug 2026 Sale May 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`113 06 0000804`

Property Details

APN / Parcel Number

Primary APN	`113 06 0000804`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	1,309 sqft Finished Area
1st Floor Area	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Shingle
Lot Area	87,120 sqft (2 acres)

Location & Zoning

Street Address	1404 BLUFF RD
City	COLDWATER
State	MS
Zip	38618-6707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT N1/2 SW1/4
Legal Range	09
Legal Township	05
Legal Section	06
Jurisdiction	TATE MS
Township / Civil Division	2
Census Block Group	1
Census Block	1016
Census Tract	950301

Owner

Source: Tate County records, as of August 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1404 BLUFF RD, COLDWATER, MS 38618-6707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 26, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST SECURITY BANK
Dec 28, 2017	Deed of Trust, Mortgage MERCHANTS & FARMERS BANK
Dec 28, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2017 · Amount on Record
Deed Sale	Dec 28, 2017 · Amount on Record
Deed Book / Page	2017 / 4225
Prior Transfer Date	Dec 7, 2017
Prior Transfer Doc	2017/4225
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TATE MS
Recording Date	Aug 3, 2026
Property Address	1404 BLUFF RD, COLDWATER, MS 38618-6707
Document Number	2026003030
Book / Page	2026 / 3030
Instrument Date	Jul 30, 2026
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 BLUFF RD, COLDWATER, MS 38618-6707

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TATE MS
Recording Date	May 26, 2026
Property Address	1404 BLUFF RD, COLDWATER, MS 38618-6707
Document Number	2026007548
Book / Page	2026 / 7548
Instrument Date	May 18, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 BLUFF RD, COLDWATER, MS 38618-6707

Mortgage

Document Number	2026007548,
Date	May 26, 2026
Book Page	2026/7548

Lender

Name	FIRST SECURITY BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Feb 28, 2027

Interest

Rate	6.3%
Max Rate	-1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TATE MS
Property Address	1404 BLUFF RD, COLDWATER, MS 38618-6707
Transaction Type	Mortgage
Record Updated	Jan 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 14885
Date	Dec 28, 2017
Book Page	2017/14885
Instrument	2017 14885

Lender

Name	MERCHANTS & FARMERS BANK
Type	Bank
Address	OXFORD, MS 38655

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Dec 26, 2037

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TATE MS
Recording Date	Dec 28, 2017
Property Address	1404 BLUFF RD, COLDWATER, MS 38618-6707
Document Number	2017/4225
Book / Page	2017 / 4225
Instrument Date	Dec 7, 2017
Transaction Type	Transfer
Record Updated	Nov 5, 2021

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1420 BLUFF RD, 1420, COLDWATER, MS 38618-6707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 BLUFF RD, COLDWATER, MS 38618-6707

Tax Assessment & Valuation

Source: Tate County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Tate County
Unified School District	Tate County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,014.00 (+28.03%)	$10,740 (+30.43%) Land $1,500 Building $9,240	$107,402 (+30.44%) Land $15,000 Building $92,402
2023	$792.00	$8,234 Land $1,500 Building $6,734	$82,337 Land $15,000 Building $67,337

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

Source: FEMA National Flood Hazard Layer, effective May 3, 2021 · 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	5 (2002–2016)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Mar 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2016 · 2 claims

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 48% of the US · above 50% of Mississippi
Wildfire Likelihood	0.1% 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	COTTONVILLE-SAVAGE W/A INC. public/private · serves 498 people · EPA ID MS0690003
Water Source	Groundwater
Last State Inspection	May 2024
Lead	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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Tallahatchie Valley Internet Services Fiber	1,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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