1601 Spruill Rd, Caledonia, MS 39740 Property Records

Lowndes County property record for 1601 Spruill Rd, Caledonia, MS 39740

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,004 sqft · built 1985
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Aug 2023)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26W000001500`

Property Details

APN / Parcel Number

Primary APN	`26W000001500`
Alternative APNs	`002986` `2986`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	2,004 sqft Adjusted Area
1st Floor Area	2,755 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Metal
Lot Area	217,800 sqft (5 acres)
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	002986
Street Address	1601 SPRUILL RD
City	CALEDONIA
State	MS
Zip	39740-9470
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW4 SW4 1601 SPRUILL RD
Legal Range	18W
Legal Township	16S
Legal Section	25
Jurisdiction	LOWNDES MS
Township / Civil Division	1
Census Block Group	1
Census Block	1035
Census Tract	102

Owner

Source: Lowndes County records, as of February 2, 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
Co-owner	Co-owner on Record
Mailing Address	1601 SPRUILL RD, CALEDONIA, MS 39740-9470
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANCORPSOUTH BANK
Aug 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 2, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 2, 2017	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2023 · Amount on Record
Deed Sale	Aug 2, 2023 · Amount on Record
Prior Sale	May 25, 2007
Deed Document Number	0020236216
Deed Book / Page	2023 / 6216
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Recording Date	Jul 2, 2026
Property Address	1601 SPRUILL RD, CALEDONIA, MS 39740-9470
Document Number	2026015668
Book / Page	2026 / 15668
Instrument Date	Jun 26, 2026
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship, 164
Address	18 HAVEN WAY, INCHELIUM, WA 99138-5134

Mortgage

Document Number	2026015668,
Date	Jul 2, 2026
Book Page	2026/15668

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	1601 SPRUILL RD, CALEDONIA, MS 39740-9470
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020228211
Date	Apr 5, 2022
Book Page	2022/8211

Lender

Name	BANCORPSOUTH BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2032

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	1601 SPRUILL RD, CALEDONIA, MS 39740-9470
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00202316140
Date	Aug 2, 2023
Book Page	2023/16140

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Aug 2, 2023
Property Address	1601 SPRUILL RD, CALEDONIA, MS 39740-9470
Document Number	0020236216
Book / Page	2023 / 6216
Instrument Date	Mar 31, 2023
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 SPNILL RD, CALEDONIA, MS 39740

Mortgage

Document Number	0202316140
Date	Aug 2, 2023
Instrument	2023/16140

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	1601 SPRUILL RD, CALEDONIA, MS 39740-9470
Document Number	0020174682
Book / Page	002017 / 004682
Instrument Date	Feb 2, 2017
Transaction Type	Mortgage
Record Updated	Mar 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 SPRUILL RD CALEDONIA MS 397409470, CALEDONIA, MS 39740-9470

Mortgage

Document Number	0020174682
Date	Mar 6, 2017
Book Page	002017/004682

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 5, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lowndes County assessment roll, as of September 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$15,314 (+82.51%)	$153,140 (+82.51%) Land $23,440 Building $129,700
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$8,391	$83,910 Land $23,440 Building $60,470

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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	4 in force
Nearby Flood Claims	1 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1990 · Severe Storms, Tornadoes & Flooding

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	Low lower than 67% of the US · lower than 84% of Mississippi
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
M-Pulse Fiber Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
C Spire Wireless Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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