Madison County property record for 205 Second St, Flora, MS 39071
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,259 sqft · built 1941 |
| Owner | Individual Name on File |
| Tax Bill | $394 (2025) |
| Deeds & Mortgages | Feb 2025 Mortgage Mar 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051C-08D-144 |
| Primary APN | 051C-08D-144 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,259 sqft Adjusted Area |
| 1st Floor Area | 1,180 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1941 |
|---|---|
| Exterior Material | Asbestos |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Deck Area | 90 sqft |
| Patio Area | 290 sqft |
| Utility Building | 248 sqft |
| Heating System | HVAC |
|---|
| Account Number | 368 |
|---|---|
| Old Parcel Number | 051C-08D-144/00.00 |
| Street Address | 205 SECOND ST |
| City | FLORA |
| State | MS |
| Zip | 39071-8910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 ALLEN ADDITION BLK 6 |
| Legal Range | 01W |
| Legal Township | 08N |
| Legal Section | 08 |
| Legal Subdivision | ALLENS ADDN BL 5 |
| Legal Block | 6 |
| Legal Lot Number | 4 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 30302 |
Source: Madison County records · APN 051C-08D-144
Assessment roll updated September 1, 2025 · Last verified February 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 205 SECOND ST, FLORA, MS 39071-8910 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 07, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ACOPIA LLC |
| Mar 08, 2024 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Jan 15, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Apr 14, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Prior Sale | Apr 14, 2023 |
| Last Transfer Date | Jan 15, 2026 |
| Transfer Doc | 004638/349 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 205 SECOND ST, FLORA, MS 39071-8910 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 205 SECOND ST, FLORA, MS 39071-8910 |
| Document Number | 004522/644 |
|---|---|
| Date | Feb 07, 2025 |
| Book Page | 4522/644 |
| Instrument | 1021594 |
| Name | ACOPIA LLC |
|---|---|
| Type | Mortgage Company |
| Address | GOODLETTSVILLE, TN 37072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 205 SECOND ST, FLORA, MS 39071-8910 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 103 WELDON DR, MADISON, MS 39110-4512 |
| Document Number | 004417/413 |
|---|---|
| Date | Mar 08, 2024 |
| Book Page | 4417/413 |
| Instrument | 1000213 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON, MS 39110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 03, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Jan 15, 2026 |
| Property Address | 205 SECOND ST, FLORA, MS 39071-8910 |
| Document Number | 004638/349 |
| Book / Page | 4638 / 349 |
| Instrument Date | Jan 15, 2026 |
| Instrument | 1044306 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 168 CARTER ST, FLORA, MS 39071-3000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 205 SECOND ST, FLORA, MS 39071-8910 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Apr 14, 2023 |
| Property Address | 205 SECOND ST, FLORA, MS 39071-8910 |
| Document Number | 004320/240 |
| Book / Page | 4320 / 240 |
| Instrument Date | Apr 13, 2023 |
| Instrument | 980104 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 103 WELDON DR, MADISON, MS 39110-4512 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 103 WELDON DR, MADISON, MS 39110-4512 |
Source: Madison County records · Assessment roll updated September 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Municipality | Flora Town |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $394.00 (-55.63%) Homeowner's exemption | $4,845 (-33.34%) | $48,450 (-) Land $28,000 Building $20,450 |
| 2024 | $888.00 | ||
| 2023 | $888.00 | $7,268 | $48,450 Land $28,000 Building $20,450 |
Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Telapex Fiber | 8,000 / 8,000 |
| Ozborn Communications Fixed Wireless | 499 / 285 |
Based on FCC filings for 215 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF FLORA #1 serves 1,653 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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