Lowndes County property record for 185 Ora Ln, Caledonia, MS 39740
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,784 sqft · built 2017 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Company Name on File |
| Last Sale | $256,300 (Aug 2022) |
| Tax Bill | $2,953 (2025) |
| Deeds & Mortgages | Aug 2026 Construction Loan Aug 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10W000002131 |
| Primary APN | 10W000002131 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,784 sqft Adjusted Area |
| 1st Floor Area | 1,395 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 185 ORA LN |
|---|---|
| City | CALEDONIA |
| State | MS |
| Zip | 39740-9116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT NW4 NE4-LOT 18 185 ORA LANE |
| Legal Range | 17W |
| Legal Township | 16S |
| Legal Section | 09 |
| Legal Subdivision | HEIGHTS SUBDIVISION |
| Legal Lot Number | 18 |
| Jurisdiction | LOWNDES MS |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 103 |
185 Ora Ln is owned by a company that bought it in August 2022.
Source: Lowndes County records, as of April 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 9276, COLUMBUS, MS 39705-0017 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Construction Mortgage BANK OF COMMERCE |
| Aug 9, 2022 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF VERNON |
| Aug 9, 2022 | Warranty Deed, Transfer · Commercial Mortgage BANK OF VERNON |
| May 11, 2020 | Deed of Trust, Mortgage · FHA Mortgage LEADERONE FIN'L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2022 · Amount on File |
| Deed Sale | Aug 9, 2022 · Amount on File |
| Prior Sale | May 13, 2020 · Amount on File |
| Deed Book / Page | 2022 / 6787 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWNDES MS |
| Recording Date | Aug 12, 2026 |
| Property Address | 185 ORA LN, CALEDONIA, MS 39740-9116 |
| Document Number | 2026019709 |
| Book / Page | 2026 / 19709 |
| Instrument Date | Jul 17, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 3225 MCLEOD DR, 100, LAS VEGAS, NV 89121-2257 |
| Document Number | 2026019709, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 2026/19709 |
| Name | BANK OF COMMERCE |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 17, 2027 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWNDES MS |
| Property Address | 185 ORA LN, CALEDONIA, MS 39740-9116 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00202220597 |
|---|---|
| Date | Aug 9, 2022 |
| Book Page | 2022/20597 |
| Name | BANK OF VERNON |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Sep 1, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOWNDES MS |
| Recording Date | Aug 9, 2022 |
| Property Address | 185 ORA LN, CALEDONIA, MS 39740-9116 |
| Document Number | 0020226787 |
| Book / Page | 2022 / 6787 |
| Instrument Date | Aug 8, 2022 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 9276, COLUMBUS, MS 39705-0017 |
| Document Number | 0202220597 |
|---|---|
| Date | Aug 9, 2022 |
| Instrument | 2022/20597 |
| Name | BANK OF VERNON |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Sep 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWNDES MS |
| Property Address | 185 ORA LN, CALEDONIA, MS 39740-9116 |
| Document Number | 0020200131 |
| Instrument Date | May 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 528 WOOD RD CALEDONIA MS 397409006, CALEDONIA, MS 39740-9006 |
| Document Number | 0020200131 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 002020/010131 |
| Name | LEADERONE FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | OVERLAND PARK, KS 66210 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 12, 2050 |
The 2025 property tax bill for 185 Ora Ln was $2,953, up 3.7% from the year before.
Source: Lowndes County assessment roll, as of October 23, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lowndes County |
| Municipality | Caledonia Town |
| Unified School District | Lowndes County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,953.00 (+3.65%) | $26,174 | $174,490 Land $17,000 Building $157,490 |
| 2024 | $2,849.00 (+21.7%) | ||
| 2023 | $2,341.00 | $21,584 | $143,890 Land $17,000 Building $126,890 |
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.
FEMA maps place 185 Ora Ln in Zone X, an area of minimal flood risk.
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 | 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 risk around 185 Ora Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 90% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CALEDONIA serves 6,589 people · EPA ID MS0440002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 27 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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