38 Velma Patterson Ln, Sumrall, MS 39482 Property Records

Covington County property record for 38 Velma Patterson Ln, Sumrall, MS 39482

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,221 sqft · built 2000
Lot Size	3.84 acres (167,270 sqft)
Owner	Individual Name on Record
Tax Bill	$1,206 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`117036 01814`

Property Details

APN / Parcel Number

Primary APN	`117036 01814`
Alternative APN	`15307`

Interior

Full Baths	2 Baths
Building Area	2,221 sqft Adjusted Area
1st Floor Area	1,779 sqft
Utility Area	1,384 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	167,270 sqft (3.84 acres)
Pool Area	736 sqft
Utility Building	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	15307
Street Address	38 VELMA PATTERSON LN
City	SUMRALL
State	MS
Zip	39482-5601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.84 AC IN SW PT E2 SE4 SW4 B 0333 P 0264 10/02/2018
Legal Range	16W
Legal Township	06N
Legal Section	36
Jurisdiction	COVINGTON MS
Township / Civil Division	2
Census Block Group	1
Census Block	1036
Census Tract	950402

Owner

Source: Covington County records, as of June 30, 2026

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	38 VELMA PATTERSON LN, SUMRALL, MS 39482-5601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage CITIZENS BANK
Oct 2, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	38 VELMA PATTERSON LN, SUMRALL, MS 39482-5601
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000779/745
Date	Aug 19, 2020
Book Page	779/745
Instrument	1064849

Lender

Name	CITIZENS BANK
Type	Bank
Address	COLUMBIA, MS 39429

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Aug 10, 2025

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	38 VELMA PATTERSON LN, SUMRALL, MS 39482-5601
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000754/637
Date	Oct 2, 2018
Book Page	754/637
Instrument	1057241

Lender

Name	CITIZENS BANK
Type	Bank
Address	SUMRALL, MS 39482

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Sep 26, 2023

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON MS
Recording Date	Oct 2, 2018
Property Address	38 VELMA PATTERSON LN, SUMRALL, MS 39482-5601
Document Number	000333/264
Book / Page	333 / 264
Instrument Date	Sep 26, 2018
Instrument	1057231
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 903, FOXWORTH, MS 39483-0903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 VELMA PATTERSON LN, SUMRALL, MS 39482-5601

Tax Assessment & Valuation

Source: Covington County assessment roll, as of June 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,206.00 (+42.72%) Disabled Person's exemption	$15,677 (+19.59%)
2024			$156,530 (+19.59%) Land $8,980 Building $147,550
2023		$13,109 (+2.74%)	$130,890 (+2.75%) Land $8,890 Building $122,000
2022	$845.00 (+30.6%) Disabled Person's exemption	$12,759	$127,390 Land $8,900 Building $118,490
2019	$647.00

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 April 5, 2010 · 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	1 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 68% of the US · above 87% of Mississippi
Wildfire Likelihood	0.3% 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	WEST LAMAR WATER ASSN #1 public/private · serves 18,491 people · EPA ID MS0370011
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
PearlComm Fiber Fiber	1,000 / 1,000

May also be available: C Spire Wireless.

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