Lowndes County property record for 186 Ora Ln, Caledonia, MS 39740
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,628 sqft · built 2014 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $312,500 (Nov 2021) |
| Tax Bill | $2,057 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10W000002129 |
| Primary APN | 10W000002129 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,628 sqft Adjusted Area |
| 1st Floor Area | 1,186 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 186 ORA LN |
|---|---|
| City | CALEDONIA |
| State | MS |
| Zip | 39740-9119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT NW4 NE4-LOT 11 186 ORA LANE |
| Legal Range | 17W |
| Legal Township | 16S |
| Legal Section | 09 |
| Legal Subdivision | WASHINGTON HEIGHTS SUBDIVISION |
| Legal Lot Number | 11 |
| Jurisdiction | LOWNDES MS |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 103 |
Source: Lowndes County records, as of June 22, 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 | 186 ORA LN, CALEDONIA, MS 39740-9119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · Line of Credit BANKFIRST FINANCIAL SERVICES |
| Nov 1, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage TRUSTMARK NATIONAL BANK |
| Nov 1, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2021 · Amount on Record |
| Deed Sale | Nov 1, 2021 · Amount on Record |
| Prior Sale | Aug 8, 2014 · Amount on Record |
| Deed Book / Page | 2021 / 9796 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWNDES MS |
| Recording Date | Jun 12, 2026 |
| Property Address | 186 ORA LN, CALEDONIA, MS 39740-9119 |
| Document Number | 2026013798 |
| Book / Page | 2026 / 13798 |
| Instrument Date | Jun 12, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 186 ORA LN, CALEDONIA, MS 39740-9119 |
| Document Number | 2026013798, |
|---|---|
| Date | Jun 12, 2026 |
| Book Page | 2026/13798 |
| Name | BANKFIRST FINANCIAL SERVICES |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 27, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWNDES MS |
| Property Address | 186 ORA LN, CALEDONIA, MS 39740-9119 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00202133421 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 2021/33421 |
| Name | TRUSTMARK NATIONAL BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOWNDES MS |
| Recording Date | Nov 1, 2021 |
| Property Address | 186 ORA LN, CALEDONIA, MS 39740-9119 |
| Document Number | 0020219796 |
| Book / Page | 2021 / 9796 |
| Instrument Date | Oct 29, 2021 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 OAK CIR, CALEDONIA, MS 39740-5520 |
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 | $2,057.00 (+4.2%) Homeowner's exemption | $20,894 (+19.64%) | $208,940 (+19.64%) Land $17,000 Building $191,940 |
| 2024 | $1,974.00 (+23.84%) | ||
| 2023 | $1,594.00 Homeowner's exemption | $17,464 | $174,640 Land $17,000 Building $157,640 |
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.
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.
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 | 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 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 104 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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