201 Commerce St, Tupelo, MS 38804 Property Records

Lee County property record for 201 Commerce St, Tupelo, MS 38804

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,733 sqft · built 1975
Owner	Individual Name on Record
Last Sale	$159,939 (Nov 2013)
Tax Bill	$4,129 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`089L-32-014-00`

Property Details

APN / Parcel Number

Primary APN	`089L-32-014-00`
Alternative APNs	`020876` `20876`

Interior

Building Area	2,733 sqft Heated Area
Gross Area	2,870 sqft
1st Floor Area	2,733 sqft
Flooring	Concrete/Cement
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1975
Foundation Type	Slab (Mat/Raft)
Roof Type	Rigid Frame Bar Joist
Roof Material	Tar & Gravel

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	020876
Old Parcel Number	089L-32-014-00
Street Address	201 COMMERCE ST
City	TUPELO
State	MS
Zip	38804-4003
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	BLK 5 LOT 4 NW1/4
Legal Range	06E
Legal Township	09S
Legal Section	32
Legal Block	5
Legal Lot Number	4
Jurisdiction	LEE MS
Township / Civil Division	1
Census Block Group	1
Census Block	1039
Census Tract	950502

Owner

Source: Lee County records, as of October 29, 2025

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	203 COMMERCE ST, TUPELO, MS 38804-4003
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Line of Credit BNA BANK
Jan 30, 2023	Deed of Trust, Mortgage · Line of Credit FNB OXFORD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2013 · Amount on Record
Deed Sale	Nov 19, 2013 · Amount on Record
Deed Document Number	0201314962
Deed Book / Page	2013 / 14962
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	201 COMMERCE ST, TUPELO, MS 38804-4003
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1837 PECAN GRV, TUPELO, MS 38801-7003

Mortgage

Document Number	2025015361
Date	Dec 30, 2025
Instrument	2025015361

Lender

Name	BNA BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Jun 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	201 COMMERCE ST, TUPELO, MS 38804-4003
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 COMMERCE ST, TUPELO, MS 38804-4003

Mortgage

Document Number	2023001019
Date	Jan 30, 2023
Instrument	2023001019

Lender

Name	FNB OXFORD BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 3, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Lee County
Municipality	Tupelo City
Unified School District	Tupelo Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,129.00 (+12.29%)	$30,371 (+10.53%)	$202,470 (+10.53%) Land $100,000 Building $102,470
2023	$3,677.00	$27,477	$183,180 Land $100,000 Building $83,180

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.

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jun 2023 · 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	Not rated no burnable land within ember reach

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	CITY OF TUPELO serves 37,000 people · EPA ID MS0410015
Water Source	Purchased surface water from N. E. MS. REGIONAL W/S
Last State Inspection	Apr 2021
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20

May also be available: T-Mobile, Tombigbee Fiber.

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