3150 Payne Rd, #DRO, Lucedale, MS 39452 Property Records

Jackson County property record for 3150 Payne Rd, #DRO, Lucedale, MS 39452

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,130 sqft · built 2024
Lot Size	15 acres (653,400 sqft)
Owner	Individual Name on File
Last Sale	$319,599 (Aug 2024)
Tax Bill	$1,539 (2025)
Deeds & Mortgages	Jun 2023 Construction Loan Aug 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`461.02-00-0007.03`

Property Details

APN / Parcel Number

Primary APN	`461.02-00-0007.03`
Alternative APN	`01502020.020`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,130 sqft Heated Area
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	653,400 sqft (15 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	3150 PAYNE RD, DRO
City	LUCEDALE
State	MS
Zip	39452-5080
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM SE COR REG SECT 2 N 183.47' TO N/M PAYNE RD N 1141.20' S 89* W 694.61' S 89W 986.52' TO POB S 89W 974.84' N 672.89' N 8
Legal Range	6W
Legal Township	4S
Legal Section	02
Jurisdiction	JACKSON MS
Township / Civil Division	1
Census Block Group	2
Census Block	2004
Census Tract	40104

Owner

3150 Payne Rd, #DRO is owned and occupied by an individual who bought it in August 2024.

Source: Jackson County records, as of March 20, 2026

Owner of Record	Individual Name on File
Mailing Address	3150 PAYNE RD, LUCEDALE, MS 39452-5080
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 9, 2023	Deed of Trust, Mortgage · Construction Mortgage CENTURY BANK
Aug 21, 2024	Deed of Trust, Mortgage · Conventional Mortgage CENTURY BANK
Aug 21, 2024	Intrafamily Transfer, Transfer ISLAND WINDS TITLE
Jun 9, 2023	Intrafamily Transfer, Transfer · Construction Mortgage CENTURY BANK
Oct 16, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2024 · Amount on File
Deed Sale	Aug 21, 2024 · Amount on File
Prior Sale	Jun 9, 2023 · Amount on File
Deed Document Number	202415430
Deed Book / Page	2178 / 239
Prior Transfer Date	Jun 2, 2023
Prior Transfer Doc	002124/471
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MS
Property Address	3150 PAYNE RD # DRO, DRO, LUCEDALE, MS 39452-5080
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003997/816
Date	Jun 9, 2023
Book Page	3997/816
Instrument	202311000

Lender

Name	CENTURY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 2, 2024

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MS
Property Address	3150 PAYNE RD # DRO, DRO, LUCEDALE, MS 39452-5080
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004091/543
Date	Aug 21, 2024
Book Page	4091/543
Instrument	202415431

Lender

Name	CENTURY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

August 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON MS
Recording Date	Aug 21, 2024
Property Address	3150 PAYNE RD # DRO, DRO, LUCEDALE, MS 39452-5080
Document Number	002178/239
Book / Page	2178 / 239
Instrument Date	Aug 16, 2024
Instrument	202415430
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	ISLAND WINDS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3150 PAYNE RD, LUCEDALE, MS 39452-5080

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3150 PAYNE RD, LUCEDALE, MS 39452-5080

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JACKSON MS
Recording Date	Jun 9, 2023
Property Address	3150 PAYNE RD # DRO, DRO, LUCEDALE, MS 39452-5080
Document Number	002124/471
Book / Page	2124 / 471
Instrument Date	Feb 6, 2023
Instrument	202310999
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20609 OTIS COOPER RD, MOSS POINT, MS 39562-9491

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20609 OTIS COOPER RD, MOSS POINT, MS 39562-9491

Mortgage

Document Number	0202311000
Date	Jun 9, 2023
Instrument	202311000

Lender

Name	CENTURY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 2, 2024

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MS
Recording Date	Oct 16, 2019
Property Address	3150 PAYNE RD # DRO, DRO, LUCEDALE, MS 39452-5080
Document Number	001952/885
Book / Page	1952 / 885
Instrument Date	Oct 15, 2019
Instrument	201923315
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20609 OTIS COOPER RD, MOSS POINT, MS 39562-9491
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3150 Payne Rd, #DRO was $1,539 with a homeowner's exemption, up 3,106.3% from the year before.

Source: Jackson County assessment roll, as of March 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,539.00 (+3,106.25%) Homeowner's exemption	$15,474 (+3,807.58%) Land $1,288 Building $14,186	$153,482 (+5,735.82%) Land $11,620 Building $141,862
2024	$48.00 (-2.04%)	$396 (-2.7%) Land $396	$2,630 (-2.59%) Land $2,630
2023	$49.00	$407 (-2.63%) Land $407	$2,700 (-2.88%) Land $2,700
2022	$49.00	$418 Land $418	$2,780 Land $2,780

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3150 Payne Rd, #DRO in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	8 in force

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 3150 Payne Rd, #DRO is high, ranking above 79% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 79% of the US · above 95% of Mississippi
Wildfire Likelihood	0.4% 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.

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