32 Locust Ln, Tupelo, MS 38801 Property Records

Lee County property record for 32 Locust Ln, Tupelo, MS 38801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,248 sqft · built 2020
Owner	Individual on Record
Last Sale	$177,500 (Oct 2022)
Tax Bill	$2,098 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Apr 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`079L-32-005-16`

Property Details

APN / Parcel Number

Primary APN	`079L-32-005-16`
Alternative APNs	`052216` `52216`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Patio Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	052216
Street Address	32 LOCUST LN
City	TUPELO
State	MS
Zip	38801-8483
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW1/4 LOT 2 LOT 2
Legal Range	05E
Legal Township	09S
Legal Section	32
Legal Subdivision	LOCUST LANE (PHASE 1)
Legal Lot Number	2
Jurisdiction	LEE MS
Township / Civil Division	3
Census Block Group	3
Census Block	3012
Census Tract	950404

Owner

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

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

Owner of Record	Individual on Record
Mailing Address	32 LOCUST LN, TUPELO, MS 38801-8483
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANKPLUS
Apr 9, 2019	Deed of Trust, Mortgage · Line of Credit FNB OXFORD BANK
Apr 27, 2022	Warranty Deed, Transfer · Line of Credit PLANTERS BANK & TRUST CO
Jul 27, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	Apr 27, 2022
Deed Document Number	0202214895
Deed Book / Page	2022 / 14895
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	32 LOCUST LN, TUPELO, MS 38801-8483
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 OLD NATCHEZ TRACE TRL, SALTILLO, MS 38866-9571

Mortgage

Document Number	2022014896
Date	Oct 28, 2022
Instrument	2022014896

Lender

Name	BANKPLUS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	32 LOCUST LN, TUPELO, MS 38801-8483
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2611 TRACELAND DR, TUPELO, MS 38801-4238

Mortgage

Document Number	2019004130
Date	Apr 9, 2019
Instrument	2019004130

Lender

Name	FNB OXFORD BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	8 Months
Due	Dec 29, 2019

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE MS
Recording Date	Apr 27, 2022
Property Address	32 LOCUST LN, TUPELO, MS 38801-8483
Document Number	2022005851
Instrument Date	Apr 22, 2022
Instrument	2022005851
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6928 COBBLESTONE BLVD STE 100, 100, SOUTHAVEN, MS 38672-8302

Mortgage

Document Number	2022005857
Date	Apr 27, 2022
Instrument	2022005857

Lender

Name	PLANTERS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 22, 2047

Interest

Rate Type	Adjustable Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE MS
Recording Date	Jul 27, 2020
Property Address	32 LOCUST LN, TUPELO, MS 38801-8483
Document Number	2020009508
Instrument Date	Jul 24, 2020
Instrument	2020009508
Transaction Type	Transfer
Record Updated	Jan 27, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 LOCUST LN, TUPELO, MS 38801-8483

Tax Assessment & Valuation

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	$2,098.00 (+27.46%) Homeowner's exemption	$15,434 (+25.46%)	$154,340 (+25.46%) Land $25,000 Building $129,340
2023	$1,646.00 Homeowner's exemption	$12,302	$123,020 Land $25,000 Building $98,020

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	10 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 62% of Mississippi
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Tombigbee Fiber Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35
C Spire Wireless Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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