400 Main St, Columbus, MS 39701 Property Records

Lowndes County property record for 400 Main St, Columbus, MS 39701

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	6,520 sqft · built 1920
Lot Size	0.074 acres (3,240 sqft)
Owner	Individual Name on Record
Last Sale	$41,000 (Mar 1996)
Tax Bill	$3,907 (2025)
Deeds & Mortgages	May 2020 Mortgage Jun 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`61W450004100`

Property Details

APN / Parcel Number

Primary APN	`61W450004100`
Alternative APNs	`017775` `17775`

Interior

Building Area	6,520 sqft Total Area
1st Floor Area	3,600 sqft
2nd Floor Area	2,920 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Foundation Type	Slab (Mat/Raft)
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	3,240 sqft (0.074 acres)
Lot Dimensions	135 ft deep x 24 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	017775
Street Address	400 MAIN ST
City	COLUMBUS
State	MS
Zip	39701-4517
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	CAFE/OFFICE-MAIN ST BLOCK 3
Legal Range	18W
Legal Township	18S
Legal Section	16
Legal Subdivision	SOUTH OF MAIN
Legal Block	3
Jurisdiction	LOWNDES MS
Township / Civil Division	5
Census Block Group	1
Census Block	1035
Census Tract	700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Columbus Central Commercial Historic District listed 1980 · 145 contributing resources · NRIS 80002284

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	PO BOX 568, COLUMBUS, MS 39703-0568
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Deed of Trust, Mortgage BANKFIRST FIN'L SVCS
Jun 25, 2019	Deed of Trust, Mortgage · Line of Credit BANKFIRST FIN'L SVCS
Oct 17, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 1996 · Amount on Record
Deed Sale	Mar 4, 1996 · Amount on Record
Deed Document Number	0001054266
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	400 MAIN ST, COLUMBUS, MS 39701-4517
Document Number	0020201105
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 9TH ST S COLUMBUS MS 397016934, COLUMBUS, MS 39701-6934

Mortgage

Document Number	0020201105
Date	May 26, 2020
Book Page	002020/011105

Lender

Name	BANKFIRST FIN'L SVCS
Type	Funding / Finance Company
Address	COLUMBUS, MS 39703

Agreement

Amount	Amount Recorded
Term	156 Months
Due	May 25, 2033

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	400 MAIN ST, COLUMBUS, MS 39701-4517
Document Number	0020195677
Instrument Date	Jun 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	121 5TH ST S #1 COLUMBUS MS 397015708, 1, COLUMBUS, MS 39701-5708

Mortgage

Document Number	0020195677
Date	Aug 6, 2019
Book Page	002019/015677

Lender

Name	BANKFIRST FIN'L SVCS
Type	Funding / Finance Company
Address	COLUMBUS, MS 39703

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 5, 2024

Interest

Rate Type	Adjustable Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Oct 17, 2018
Property Address	400 MAIN ST, COLUMBUS, MS 39701-4517
Document Number	0020187649
Book / Page	002018 / 007649
Instrument Date	Oct 15, 2018
Transaction Type	Transfer
Record Updated	Nov 2, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 MAIN ST COLUMBUS MS 397014517, COLUMBUS, MS 39701-4517

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Lowndes County
Municipality	Columbus City
Unified School District	Columbus Municipal School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,907.00 (+1.24%)	$23,877 (+39.52%)	$159,180 (+39.52%) Land $13,820 Building $145,360
2024	$3,859.00 (+37.58%)
2023	$2,805.00	$17,114	$114,090 Land $13,820 Building $100,270

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1991–2001)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2001 · alluvial fan flooding

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 80% of the US · lower than 90% of Mississippi
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	COLUMBUS LIGHT & WATER serves 23,616 people · EPA ID MS0440003
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50
C Spire Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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