Madison County property record for 186 Center St, Flora, MS 39071
| Property Type | Single Family Home |
|---|---|
| Details | 3,327 sqft · built 2000 |
| Owner | Individual Name on File |
| Tax Bill | $2,392 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051D-17A-138 |
| Primary APN | 051D-17A-138 |
|---|---|
| Alternative APNs |
|
| Building Area | 3,327 sqft Adjusted Area |
|---|---|
| 1st Floor Area | 2,080 sqft |
| 2nd Floor Area | 624 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|
| Account Number | 989 |
|---|---|
| Old Parcel Number | 051D-17A-138/00.00 |
| Street Address | 186 CENTER ST |
| City | FLORA |
| State | MS |
| Zip | 39071-9340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 BLK 8 ALLEN ADDITION & 20 FT ADJ W SIDE |
| Legal Range | 01W |
| Legal Township | 08N |
| Legal Section | 17 |
| Legal Subdivision | ALLENS ADDN BL 8 |
| Legal Block | 8 |
| Legal Lot Number | 6 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 30302 |
186 Center St is owned and occupied by an individual who acquired it in September 2022.
Source: Madison County records, as of December 1, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 186 CENTER ST, FLORA, MS 39071-9340 |
| 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.
| Date | Document |
|---|---|
| Sep 9, 2022 | Warranty Deed, Transfer · Line of Credit BANK OF YAZOO CITY |
| May 5, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| May 5, 2020 | Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2022 |
| Deed Sale | Sep 9, 2022 |
| Deed Document Number | 0004257240 |
| Deed Book / Page | 4257 / 240 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Sep 9, 2022 |
| Property Address | 186 CENTER ST, FLORA, MS 39071-9340 |
| Document Number | 004257/240 |
| Book / Page | 4257 / 240 |
| Instrument Date | Sep 9, 2022 |
| Instrument | 965461 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 185 NW FOURTH ST, 185, FLORA, MS 39071-9761 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 186 CENTER ST, FLORA, MS 39071-9340 |
| Document Number | 0000965462 |
|---|---|
| Date | Sep 9, 2022 |
| Instrument | 965462 |
| Name | BANK OF YAZOO CITY |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Sep 6, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 186 CENTER ST, FLORA, MS 39071-9340 |
| Document Number | 0000893095 |
| Instrument Date | May 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 186 CENTER ST FLORA MS 390719340, FLORA, MS 39071-9340 |
| Document Number | 0000893095 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 003864/000879 |
| Instrument | 893095 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 10, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 186 CENTER ST, FLORA, MS 39071-9340 |
| Document Number | 0000893094 |
| Instrument Date | May 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 186 CENTER ST FLORA MS 390719340, FLORA, MS 39071-9340 |
| Document Number | 0000893094 |
|---|---|
| Date | Jun 11, 2020 |
| Book Page | 003864/000872 |
| Instrument | 893094 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 10, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 186 Center St was $2,392 with a homeowner's exemption, down 0.4% from the year before.
Source: Madison County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Municipality | Flora Town |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,392.00 (-0.37%) Homeowner's exemption | $22,027 | $220,070 Land $28,000 Building $192,070 |
| 2024 | $2,401.00 | ||
| 2023 | $2,401.00 Homeowner's exemption | $22,101 | $220,560 Land $28,000 Building $192,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Center St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.
Source: FEMA National Flood Hazard Layer, effective January 17, 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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 3 (1984–2014) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2014 · 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 risk around 186 Center St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 FLORA #1 serves 1,653 people · EPA ID MS0450008 |
|---|---|
| Water Source | Groundwater |
| 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 | 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.
Source: FCC Broadband Data Collection, based on 215 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| NETSPEEDMS Fixed Wireless | 499 / 285 |
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