401 E Gillespie St, Starkville, MS 39759 Property Records

Oktibbeha County property record for 401 E Gillespie St, Starkville, MS 39759

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,285 sqft · built 1900
Lot Size	0.604 acres (26,325 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,008 (2025)
Deeds & Mortgages	Oct 2007 Line of Credit Dec 2010 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`102A-00-153.00`

Property Details

APN / Parcel Number

Primary APN	`102A-00-153.00`
Alternative APN	`007182`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,285 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,325 sqft (0.604 acres)
Lot Dimensions	325 ft deep x 81 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	401 E GILLESPIE ST
City	STARKVILLE
State	MS
Zip	39759-3305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 & 6' OFF OF LOTS 7 & 9 & LOTS 8-A & 9-A CITY BLOCK 61 MAP 102A DB/PG 2016/91
Legal Lot Number	6-9
Jurisdiction	OKTIBBEHA MS
Township / Civil Division	5
Census Block Group	4
Census Block	4004
Census Tract	950500

Historic Designation

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

Historic District	Within the Overstreet School Historic District listed 1992 · 116 contributing resources · NRIS 92001398

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

Owner

401 E Gillespie St is owned and occupied by two individuals who acquired it in January 2016.

Source: Oktibbeha County records, as of January 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 E GILLESPIE ST, STARKVILLE, MS 39759-3305
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2007	Deed of Trust, Mortgage · Line of Credit BANKFIRST FINANCIAL SERVICES
Dec 1, 2010	Deed of Trust, Mortgage · Line of Credit BANKFIRST FINANCIAL SERVICES
Jun 6, 2010	Deed of Trust, Mortgage · Line of Credit BANKFIRST FINANCIAL SERVICES
Aug 31, 2007	Deed of Trust, Mortgage · Line of Credit BANKFIRST FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2016
Deed Sale	Jan 6, 2016
Deed Document Number	0000201691
Record Updated	Jun 8, 2026

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKTIBBEHA MS
Property Address	401 E GILLESPIE ST, STARKVILLE, MS 39759-3305
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2007/21116
Date	Oct 19, 2007
Book Page	2007/21116

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank
Address	STARKVILLE, MS 39759

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 12, 2008

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKTIBBEHA MS
Property Address	401 E GILLESPIE ST, STARKVILLE, MS 39759-3305
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010/19295
Date	Dec 1, 2010
Book Page	2010/19295

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank
Address	STARKVILLE, MS 39759

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	32 Months
Due	Aug 5, 2013

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKTIBBEHA MS
Property Address	401 E GILLESPIE ST, STARKVILLE, MS 39759-3305
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2010/11988
Date	Jun 6, 2010
Book Page	2010/11988

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank
Address	STARKVILLE, MS 39759

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	38 Months
Due	Aug 5, 2013

Interest

Rate	6.5%

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKTIBBEHA MS
Property Address	401 E GILLESPIE ST, STARKVILLE, MS 39759-3305
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2007/18078
Date	Aug 31, 2007
Book Page	2007/18078

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank
Address	STARKVILLE, MS 39759

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	13 Months
Due	Sep 15, 2008

Interest

Rate	8.79%

Tax Assessment & Valuation

The 2025 property tax bill for 401 E Gillespie St was $3,008, up 1.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Oktibbeha County
Municipality	Starkville City
Unified School District	Starkville Oktibbeha Consolidated School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,008.00 (+1.52%)	$19,355 (-)	$129,030 (-) Land $48,000 Building $81,030
2024	$2,963.00	$19,355 (-)	$129,030 (-) Land $48,000 Building $81,030
2023	$2,963.00	$19,355	$129,030 Land $48,000 Building $81,030

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 401 E Gillespie St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective October 6, 2014 · 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (1998–2020)
Most Recent Claim	Jan 2020 · Severe Storms, Tornadoes, Straight-line Winds, And 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

Wildfire risk around 401 E Gillespie St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.1% 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	SESSUMS WATER ASSOCIATION public/private · serves 1,117 people · EPA ID MS0530019
Water Source	Groundwater
Last State Inspection	Dec 2024
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 389 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable	10,000 / 10,000
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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