Choctaw County property record for 2105 Spay Rd, Mc Cool, MS 39108
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,355 sqft · built 2001 |
| Lot Size | 6 acres (261,360 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $417 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 111 0024 0007001 |
| Primary APN | 111 0024 0007001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 5 Rooms |
| Building Area | 1,355 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 261,360 sqft (6 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
|---|---|
| Shed Area | 504 sqft |
| Gazebo | 144 sqft |
| Utility Building | 1,537 sqft |
| Street Address | 2105 SPAY RD |
|---|---|
| City | MC COOL |
| State | MS |
| Zip | 39108-4279 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT S1/2 SW1/4 W OF ROAD |
| Jurisdiction | CHOCTAW MS |
| Township / Civil Division | 4 |
| Census Block Group | 4 |
| Census Block | 4082 |
| Census Tract | 950200 |
Source: Choctaw County records, as of January 23, 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 | 2105 SPAY RD, MC COOL, MS 39108-4279 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2001 |
| Deed Sale | Jul 24, 2001 |
| Deed Document Number | 0000158574 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHOCTAW MS |
| Property Address | 2105 SPAY RD, MC COOL, MS 39108-4279 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Name | Verified Name |
|---|
| Document Number | 225/88 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 225/88 |
| Name | THE CITIZENS BANK OF PHILADELPHIA |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, MS 39339 |
| Amount | Amount Recorded |
|---|---|
| Term | 59 Months |
| Due | Jun 15, 2025 |
Source: Choctaw County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Choctaw County |
| Unified School District | Choctaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $417.00 (+4.51%) | $8,510 (-1.68%) Land $614 Building $7,896 | $80,816 (+5.92%) Land $5,763 Building $75,053 |
| 2023 | $399.00 | $8,655 Land $614 Building $8,041 | $76,298 Land $5,756 Building $70,542 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 28, 2007 · 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 Claims | 2 (2020–2023) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · above 45% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | PAN HANDLE WATER ASSOCIATION public/private · serves 990 people · EPA ID MS0100006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 4-County Fiber Fiber | 1,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
4G LTE only, no 5G reported
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