Benton County property record for 396 Locust St, Hickory Flat, MS 38633
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 910 sqft · built 1970 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $323 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4-0570-34-000-045.00 |
| Primary APN | 4-0570-34-000-045.00 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 910 sqft Living Area |
| 1st Floor Area | 910 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Paneling |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Shed | 1 Shed |
| Shed Area | 576 sqft |
| Heating Fuel | Gas |
|---|
| Account Number | 16005 |
|---|---|
| Street Address | 396 LOCUST ST |
| City | HICKORY FLAT |
| State | MS |
| Zip | 38633-9572 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NW/C NE 1/4 OF THE NW 1/4 DB 59-332 117-86 117-87 143/707 146/682 |
| Legal Range | 001 |
| Legal Township | 005 |
| Legal Section | 34 |
| Jurisdiction | BENTON MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2099 |
| Census Tract | 950200 |
Source: Benton County records, as of May 27, 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 | 396 LOCUST ST, HICKORY FLAT, MS 38633-9572 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GUM TREE MORTGAGE LLC |
| Feb 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MS |
| Property Address | 396 LOCUST ST, HICKORY FLAT, MS 38633-9572 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000272/582 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 272/582 |
| Instrument | 202200483 |
| Name | GUM TREE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MS |
| Property Address | 396 LOCUST ST, HICKORY FLAT, MS 38633-9572 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2019 |
| Name | Verified Name |
|---|
| Document Number | 0254/0266 |
|---|---|
| Date | Feb 11, 2019 |
| Book Page | 0254/0266 |
| Instrument | 201900117 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Feb 18, 2026 |
| Rate Type | Adjustable Rate |
|---|
Source: Benton County assessment roll, as of December 23, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Benton County |
| Municipality | Hickory Flat Town |
| Unified School District | Benton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $323.00 (+14.13%) Homeowner's exemption | $2,770 (-0.57%) | $27,560 (-0.4%) Land $750 Building $26,810 |
| 2023 | $283.00 Homeowner's exemption | $2,786 | $27,670 Land $750 Building $26,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 2, 2008 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 80% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.06% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE ARROWHEAD private · serves 174 people · EPA ID MS0730010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ACE Fiber Fiber | 8,000 / 8,000 |
| Buckeye Cablesystem Cable | 1,000 / 20 |
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