Lowndes County property record for 384 Smith Dr, Columbus, MS 39702 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,271 sqft · built 1982 |
| Lot Size | 0.252 acres (11,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,209 (2025) |
| Deeds & Mortgages | Jul 2026 Construction Loan Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 63W090000749 |
| Primary APN | 63W090000749 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Building Area | 1,271 sqft Adjusted Area |
| 1st Floor Area | 1,147 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,000 sqft (0.252 acres) |
| Lot Dimensions | 110 ft deep x 100 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 020843 |
|---|---|
| Street Address | 384 SMITH DR |
| City | COLUMBUS |
| State | MS |
| Zip | 39702-4471 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 384 SMITH DR LOT 49 |
| Legal Range | 17W |
| Legal Township | 18S |
| Legal Section | 18 |
| Legal Subdivision | RUBY ESTATES |
| Legal Lot Number | 49 |
| Jurisdiction | LOWNDES MS |
| Township / Civil Division | 4 |
| Census Block Group | 4 |
| Census Block | 4038 |
| Census Tract | 405 |
Source: Lowndes County records · APN 63W090000749
Assessment roll updated September 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3800 N WOLFE RD, CALEDONIA, MS 39740-9765 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Construction Mortgage BANK OF COMMERCE |
| Sep 12, 2025 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF COMMERCE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 02, 2006 |
| Deed Sale | Nov 02, 2006 |
| Deed Document Number | 0020068449 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWNDES MS |
| Recording Date | Jul 27, 2026 |
| Property Address | 384 SMITH DR, COLUMBUS, MS 39702-4471 |
| Document Number | 2026018051 |
| Book / Page | 2026 / 18051 |
| Instrument Date | Jul 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 2026018051, |
|---|---|
| Date | Jul 27, 2026 |
| Book Page | 2026/18051 |
| Name | BANK OF COMMERCE |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 15, 2031 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWNDES MS |
| Property Address | 384 SMITH DR, COLUMBUS, MS 39702-4471 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00202521360 |
|---|---|
| Date | Sep 12, 2025 |
| Book Page | 2025/21360 |
| Name | BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 12, 2030 |
Source: Lowndes County records · Assessment roll updated September 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lowndes County |
| Municipality | Columbus City |
| Unified School District | Columbus Municipal School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,209.00 (+0.58%) | $8,133 (+12.51%) | $54,220 (+12.51%) Land $10,000 Building $44,220 |
| 2024 | $1,202.00 (+11.92%) | ||
| 2023 | $1,074.00 | $7,229 | $48,190 Land $10,000 Building $38,190 |
Source: FEMA National Flood Hazard Layer, Lowndes County (28087C), updated November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280870004054, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 12 individual NFIP policies nearby |
| Nearby Flood Policies | 12 in force |
| Wildfire Risk | Low above 20% of the US · above 10% of Mississippi |
|---|---|
| Wildfire Likelihood | About 1 in 9,091 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 155 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| 4-County Fiber | Fiber | 1,000 / 1,000 |
| Cable One | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| Telapex | Fixed Wireless | 100 / 20 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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