2098 Spruill Rd, Caledonia, MS 39740 Property Records

Lowndes County property record for 2098 Spruill Rd, Caledonia, MS 39740

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,359 sqft · built 2016
Lot Size	1.2 acres (52,272 sqft)
Owner	Company Name on Record
Tax Bill	$2,513 (2025)
Deeds & Mortgages	Feb 2021 Refinance Feb 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26W000000906`

Property Details

APN / Parcel Number

Primary APN	`26W000000906`
Alternative APNs	`033324` `33324`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,359 sqft Adjusted Area
1st Floor Area	1,987 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2098 SPRUILL RD
City	CALEDONIA
State	MS
Zip	39740-9224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW4 SE4-LOT 6 2098 SPRUILL RD
Legal Range	18W
Legal Township	16W
Legal Section	25
Legal Subdivision	SPRUILL ROAD
Legal Lot Number	6
Jurisdiction	LOWNDES MS
Township / Civil Division	1
Census Block Group	1
Census Block	1038
Census Tract	102

Owner

Source: Lowndes County records, as of December 16, 2025

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

Owner of Record	Company Name on Record
Mailing Address	7710 MYRTLE AVE, EUREKA, CA 95503-9574
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANKFIRST FINANCIAL
Feb 19, 2021	Warranty Deed, Transfer
Jan 17, 2018	Warranty Deed, Transfer USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2023
Deed Sale	May 4, 2023
Prior Sale	Feb 19, 2021
Deed Book / Page	2023 / 3832
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	2098 SPRUILL RD, CALEDONIA, MS 39740-9224
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020213392
Date	Feb 3, 2021
Book Page	2021/3392

Lender

Name	BANKFIRST FINANCIAL

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Feb 19, 2021
Property Address	2098 SPRUILL RD, CALEDONIA, MS 39740-9224
Document Number	0020211230
Book / Page	2021 / 1230
Instrument Date	Feb 19, 2021
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2098 SPRUILL RD, CALEDONIA, MS 39740-9224

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Jan 17, 2018
Property Address	2098 SPRUILL RD, CALEDONIA, MS 39740-9224
Document Number	0020180344
Book / Page	002018 / 000344
Instrument Date	Jan 5, 2018
Transaction Type	Transfer
Record Updated	Jan 30, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2098 SPRUILL RD CALEDONIA MS 397409224, CALEDONIA, MS 39740-9224

Mortgage

Document Number	20181228
Date	Jan 17, 2018
Book Page	002018/001228

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 16, 2028

Tax Assessment & Valuation

Source: Lowndes County assessment roll, as of October 23, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Lowndes County
Unified School District	Lowndes County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,513.00 (+0.8%)	$25,697 (+14.73%)	$171,310 (+14.73%) Land $11,060 Building $160,250
2024	$2,493.00 (+15.2%)
2023	$2,164.00	$22,398	$149,320 Land $11,060 Building $138,260

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1990)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 1990 · Severe Storms, Tornadoes & Flooding

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	0.03% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 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

Cell Coverage

5G (outdoors only) and 4G LTE

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