2148 Rachel St, Tupelo, MS 38804 Property Records

Lee County property record for 2148 Rachel St, Tupelo, MS 38804

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,526 sqft · built 1972
Owner	Company Name on File
Tax Bill	$2,102 (2025)
Deeds & Mortgages	Aug 2023 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`088F-28-085-00`

Property Details

APN / Parcel Number

Primary APN	`088F-28-085-00`
Alternative APNs	`020952` `20952`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,526 sqft Heated Area
Gross Area	1,742 sqft
1st Floor Area	1,526 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Patio Area	112 sqft
Utility Building	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	020952
Old Parcel Number	088F-28-085-00
Street Address	2148 RACHEL ST
City	TUPELO
State	MS
Zip	38804-1634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 SE1/4 OAKCLIFF VILLAS PT 1
Legal Range	06E
Legal Township	09S
Legal Section	28
Legal Lot Number	12
Jurisdiction	LEE MS
Township / Civil Division	1
Census Block Group	1
Census Block	1014
Census Tract	950502

Owner

2148 Rachel St is owned by a company that acquired it in June 2020.

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

Owner of Record	Company Name on File
Mailing Address	2280 DELLA ST, HERNANDO, MS 38632-6976
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Deed of Trust, Mortgage FARMERS & MERCHANTS BANK
May 3, 2022	Deed of Trust, Mortgage FARMERS & MERCHANTS BANK
Jun 29, 2020	Warranty Deed, Transfer FARMERS & MERCHANTS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2020
Deed Sale	Jun 29, 2020
Prior Sale	Dec 1, 2016
Deed Document Number	2020008207
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	2148 RACHEL ST, TUPELO, MS 38804-1634
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3508 COTTON BOWL LN, BELDEN, MS 38826-8001

Mortgage

Document Number	2023009596
Date	Aug 21, 2023
Instrument	2023009596

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jul 31, 2028

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	2148 RACHEL ST, TUPELO, MS 38804-1634
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3508 COTTON BOWL LN, BELDEN, MS 38826-8001

Mortgage

Document Number	2022006216
Date	May 3, 2022
Instrument	2022006216

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	60 Months
Due	May 3, 2027

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE MS
Recording Date	Jun 29, 2020
Property Address	2148 RACHEL ST, TUPELO, MS 38804-1634
Document Number	2020008207
Instrument Date	Jun 25, 2020
Instrument	2020008207
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2148 RACHEL ST, TUPELO, MS 38804-1634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2280 DELLA ST, HERNANDO, MS 38632-6976

Mortgage

Document Number	2020008208
Date	Jun 29, 2020
Instrument	2020008208

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	36 Months
Due	Jun 25, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 2148 Rachel St was $2,102.

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	$2,102.00	$15,467	$103,110 Land $22,000 Building $81,110
2023	$1,972.00	$14,741	$98,270 Land $22,000 Building $76,270

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

Flood

FEMA maps place 2148 Rachel St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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 File 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

Wildfire risk around 2148 Rachel St is low, with a 0.02% annual chance of 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	None beyond 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 164 locations within half a mile, as of December 31, 2025

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

May also be available: Tombigbee Fiber.

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