189 NW Fourth St, Flora, MS 39071 Property Records

Madison County property record for 189 NW Fourth St, Flora, MS 39071

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,533 sqft · built 1970
Lot Size	0.411 acres (17,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$296,922 (Sep 2024)
Tax Bill	$1,135 (2025)
Deeds & Mortgages	Sep 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051C-08D-061`

Property Details

APN / Parcel Number

Primary APN	`051C-08D-061`
Alternative APNs	`051C-08D-061/00.00` `296`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,533 sqft Adjusted Area
Gross Area	2,122 sqft
1st Floor Area	2,122 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,890 sqft (0.411 acres)
Lot Dimensions	178 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	296
Street Address	189 NW FOURTH ST
City	FLORA
State	MS
Zip	39071-9761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 100 X 178.9 FT -PARCEL 11- W/S N 4TH ST PT OF LOT 1 GADDIS ADD 1
Legal Range	01W
Legal Township	08N
Legal Section	08
Legal Subdivision	GADDIS
Legal Lot Number	1
Jurisdiction	MADISON MS
Township / Civil Division	4
Census Block Group	2
Census Block	2029
Census Tract	30302

Owner

Source: Madison County records, as of April 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	189 NW FOURTH ST, FLORA, MS 39071-9761
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2024 · Amount on Record
Deed Sale	Sep 16, 2024 · Amount on Record
Prior Sale	Sep 9, 2022
Deed Document Number	20241011081
Deed Book / Page	4479 / 691
Record Updated	Jun 8, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	Sep 16, 2024
Property Address	189 NW FOURTH ST, FLORA, MS 39071-9761
Document Number	004479/691
Book / Page	4479 / 691
Instrument Date	Sep 11, 2024
Instrument	1011081
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 715, BENTONIA, MS 39040-0715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 NW FOURTH ST, FLORA, MS 39071-9761

Mortgage

Document Number	0001011082
Date	Sep 16, 2024
Instrument	1011082

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Madison County
Municipality	Flora Town
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,135.00 (-41.13%) Homeowner's exemption	$10,520 (-)	$105,200 (-) Land $28,000 Building $77,200
2024	$1,928.00 (+495.06%)
2023	$324.00 Homeowner's exemption	$10,520	$105,200 Land $28,000 Building $77,200

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 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 Record 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

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	0.02% 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	TOWN OF FLORA #1 serves 1,653 people · EPA ID MS0450008
Water Source	Groundwater
Lead	Under 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 60 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