274 N Watson Rd, Caledonia, MS 39740 Property Records

Lowndes County property record for 274 N Watson Rd, Caledonia, MS 39740

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,002 sqft · built 1985
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$106,000 (Jan 2018)
Tax Bill	$928 (2025)
Deeds & Mortgages	Nov 2021 Refinance Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26W000003207`

Property Details

APN / Parcel Number

Primary APN	`26W000003207`
Alternative APNs	`003025` `3025`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,002 sqft Adjusted Area
1st Floor Area	1,188 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	003025
Street Address	274 N WATSON RD
City	CALEDONIA
State	MS
Zip	39740-9573
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW4 SW4 274 NORTH WATSON RD
Legal Range	18W
Legal Township	16S
Legal Section	35
Jurisdiction	LOWNDES MS
Township / Civil Division	2
Census Block Group	1
Census Block	1033
Census Tract	102

Owner

Source: Lowndes County records, as of December 15, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	274 N WATSON RD, CALEDONIA, MS 39740-9573
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST GUARANTY MORTGAGE
Jan 16, 2018	Deed of Trust, Mortgage FIRSTBANK
Jan 18, 2018	Warranty Deed, Transfer
Mar 29, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2018 · Amount on Record
Deed Sale	Jan 18, 2018 · Amount on Record
Prior Sale	Sep 23, 2010
Deed Document Number	0002018357
Deed Book / Page	2018 / 357
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	274 N WATSON RD, CALEDONIA, MS 39740-9573
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00202134576
Date	Nov 12, 2021
Book Page	2021/34576

Lender

Name	FIRST GUARANTY MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	274 N WATSON RD, CALEDONIA, MS 39740-9573
Document Number	0020190689
Instrument Date	Jan 16, 2018
Transaction Type	Mortgage
Record Updated	Feb 1, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	113 CAL VERNON RD CALEDONIA MS 39740, CALEDONIA, MS 39740

Mortgage

Document Number	0020190689
Date	Jan 9, 2019
Book Page	002019/000689

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2049

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Jan 18, 2018
Property Address	274 N WATSON RD, CALEDONIA, MS 39740-9573
Document Number	0020180357
Book / Page	2018 / 357
Instrument Date	Jan 16, 2018
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	274 N WATSON RD, CALEDONIA, MS 39740-9573
Document Number	0020178510
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	274 N WATSON RD CALEDONIA MS 397409573, CALEDONIA, MS 39740-9573

Mortgage

Document Number	0020178510
Date	Apr 20, 2017
Book Page	002017/008510

Lender

Name	BANK OF COMMERCE
Type	Bank
Address	COLUMBUS, MS 39701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 19, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lowndes County assessment roll, as of September 1, 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	$928.00 (+77.44%) Homeowner's exemption	$12,560 (+61.61%)	$125,600 (+61.61%) Land $7,500 Building $118,100
2024	$523.00 (+15.96%)
2023	$451.00 Homeowner's exemption	$7,772	$77,720 Land $7,500 Building $70,220

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 67% of the US · lower than 84% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
M-Pulse Fiber Fiber	1,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20

May also be available: 4-County Fiber, AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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