3545 Spruill Rd, Caledonia, MS 39740 Property Records

Lowndes County property record for 3545 Spruill Rd, Caledonia, MS 39740

Property Summary

Property Type	Single Family Home
Details	1 ba · 3,445 sqft · built 2009
Lot Size	21.6 acres (940,896 sqft)
Owner	Individual Name on Record
Tax Bill	$2,015 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25W000004913`

Property Details

APN / Parcel Number

Primary APN	`25W000004913`
Alternative APNs	`030430` `30430`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	3,445 sqft Adjusted Area
1st Floor Area	2,034 sqft
2nd Floor Area	806 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	940,896 sqft (21.6 acres)
Garage Area	1,024 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	030430
Street Address	3545 SPRUILL RD
City	CALEDONIA
State	MS
Zip	39740-9234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE4 SW4 3545 SPRUILL RD
Legal Range	17W
Legal Township	16S
Legal Section	30
Jurisdiction	LOWNDES MS
Township / Civil Division	1
Census Block Group	1
Census Block	1014
Census Tract	103

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
Mailing Address	3545 SPRUILL RD, CALEDONIA, MS 39740-9234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2023	Deed of Trust, Mortgage BANKFIRST FINANCIAL SERVICES
Jun 13, 2020	Deed of Trust, Mortgage QUICKEN LNS
Aug 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2018
Deed Sale	Aug 7, 2018
Prior Sale	Aug 4, 2005
Deed Document Number	0020185672
Deed Book / Page	2018 / 5672
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	3545 SPRUILL RD, CALEDONIA, MS 39740-9234
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00202325146
Date	Dec 8, 2023
Book Page	2023/25146

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 27, 2033

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	3545 SPRUILL RD, CALEDONIA, MS 39740-9234
Document Number	0020207221
Instrument Date	Jun 13, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3545 SPRUILL RD CALEDONIA MS 397409234, CALEDONIA, MS 39740-9234

Mortgage

Document Number	0020207221
Date	Jul 23, 2020
Book Page	002020/017221

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Aug 7, 2018
Property Address	3545 SPRUILL RD, CALEDONIA, MS 39740-9234
Document Number	0020185672
Book / Page	2018 / 5672
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3545 SPRUILL RD, CALEDONIA, MS 39740-9234

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	$2,015.00 (+1%) Homeowner's exemption	$23,651 (+13.76%)	$234,710 (+13.94%) Land $12,960 Building $221,750
2024	$1,995.00 (+16.67%)
2023	$1,710.00 Homeowner's exemption	$20,791	$205,990 Land $13,210 Building $192,780

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 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	3 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	Low lower than 66% of the US · lower than 83% of Mississippi
Wildfire Likelihood	0.04% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF CALEDONIA serves 6,589 people · EPA ID MS0440002
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
M-Pulse Fiber Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
C Spire Wireless Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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