220 Ruger Dr, Flora, MS 39071 Property Records

Madison County property record for 220 Ruger Dr, Flora, MS 39071

Property Summary

Property Type	Other Improved
Details	4,272 sqft
Lot Size	9.14 acres (398,574 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,566 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`051I-29-006/01.03`

Property Details

APN / Parcel Number

Primary APN	`051I-29-006/01.03`
Alternative APN	`59298`

Interior

Building Area	4,272 sqft Adjusted Area

Exterior

Lot Area	398,574 sqft (9.14 acres)

Location & Zoning

Account Number	59298
Street Address	220 RUGER DR
City	FLORA
State	MS
Zip	39071-6613
Property Category	Other
Property Type	Other > Other Improved
Legal Description	9.15 ACD NE1/4 SW1/4 SE1/4
Legal Range	01W
Legal Township	08N
Legal Section	29
Jurisdiction	MADISON MS
Township / Civil Division	4
Census Block Group	1
Census Block	1025
Census Tract	30302

Owner

Source: Madison County records, as of December 1, 2025

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	220 RUGER DR, FLORA, MS 39071-6613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2020	Deed of Trust, Mortgage · Line of Credit BANKPLUS
Sep 23, 2020	Deed of Trust, Mortgage BANKPLUS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2019
Deed Sale	Oct 28, 2019
Deed Document Number	0003780499
Deed Book / Page	3780 / 499
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	220 RUGER DR, FLORA, MS 39071-6613
Document Number	0000907685
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 RUGER DR FLORA MS 39071, FLORA, MS 39071

Mortgage

Document Number	0000907685
Date	Oct 13, 2020
Book Page	003928/000395
Instrument	907685

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Oct 12, 2027

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	220 RUGER DR, FLORA, MS 39071-6613
Document Number	0000906520
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	CRESCENT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	220 RUGER DR FLORA MS 39071, FLORA, MS 39071

Mortgage

Document Number	0000906520
Date	Sep 29, 2020
Book Page	003920/000704
Instrument	906520

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,566.00 Homeowner's exemption	$41,716 (-)	$417,160 (-) Land $91,500 Building $325,660
2024	$3,566.00
2023	$3,566.00 Homeowner's exemption	$41,716	$417,160 Land $91,500 Building $325,660

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 January 17, 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	2 in force
Nearby Flood Claims	2 (2016–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2017 · river or lake 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	Moderate above 40% of the US · lower than 70% of Mississippi
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
NETSPEEDMS Fixed Wireless	439 / 251

Cell Coverage

5G (outdoors only) and 4G LTE

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