402 N First St, Collins, MS 39428 Property Records

Covington County property record for 402 N First St, Collins, MS 39428

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,951 sqft · built 1952
Lot Size	0.22 acres (9,754 sqft)
Owner	Individual Name on Record
Tax Bill	$716 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2018 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`136R24 08600`

Property Details

APN / Parcel Number

Primary APN	`136R24 08600`
Alternative APN	`9407`

Interior

Full Baths	2 Baths
Building Area	2,951 sqft Adjusted Area
1st Floor Area	2,130 sqft
2nd Floor Area	571 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,754 sqft (0.22 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	9407
Street Address	402 N FIRST ST
City	COLLINS
State	MS
Zip	39428-5005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 6,7 & 8 BLK 3, IN COLLINS ORIGINAL SURVEY 4003060 B 0359 P 0698 05/01/2023
Legal Range	16W
Legal Township	08N
Legal Section	24
Legal Subdivision	ORIGINAL SURVEY
Legal Block	3
Legal Lot Number	6-8
Jurisdiction	COVINGTON MS
Township / Civil Division	3
Census Block Group	1
Census Block	1054
Census Tract	950200

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	402 N FIRST ST, COLLINS, MS 39428-5005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · VA Mortgage UNITED MORTGAGE LENDING LLC
Jun 11, 2018	Deed of Trust, Mortgage BANCORPSOUTH BANK
Aug 10, 2020	Deed of Trust, Mortgage PRIORITYONE BANK
May 1, 2023	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 8, 2024	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
May 1, 2023	Warranty Deed, Transfer UNKNOWN, DEEP SOUTH TITLE COLLINS LLC
Jun 14, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2018
Deed Sale	Jun 14, 2018
Deed Document Number	20181055722
Deed Book / Page	331 / 450
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	402 N FIRST ST, COLLINS, MS 39428-5005
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 N FIRST ST, COLLINS, MS 39428-5005

Mortgage

Document Number	02026/1085
Date	Feb 12, 2026
Book Page	2026/1085

Lender

Name	UNITED MORTGAGE LENDING LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	402 N FIRST ST, COLLINS, MS 39428-5005
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000749/661
Date	Jun 11, 2018
Book Page	749/661

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	402 N FIRST ST, COLLINS, MS 39428-5005
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000779/561
Date	Aug 10, 2020
Book Page	779/561
Instrument	1064766

Lender

Name	PRIORITYONE BANK
Type	Bank
Address	HATTIESBURG, MS 39404

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	402 N FIRST ST, COLLINS, MS 39428-5005
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2215 OLD HIGHWAY 24 26, 26, HATTIESBURG, MS 39402-2737

Mortgage

Document Number	0000813/49
Date	May 1, 2023
Book Page	813/49

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	402 N FIRST ST, COLLINS, MS 39428-5005
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 N FIRST ST, COLLINS, MS 39428-5005

Mortgage

Document Number	000820/659
Date	Jan 8, 2024
Book Page	820/659

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON MS
Recording Date	May 1, 2023
Property Address	402 N FIRST ST, COLLINS, MS 39428-5005
Document Number	000359/698
Book / Page	359 / 698
Instrument Date	Apr 28, 2023
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	UNKNOWN, DEEP SOUTH TITLE COLLINS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 SWEET GUM CV, MADISON, MS 39110-6576

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 N FIRST ST, COLLINS, MS 39428-5005

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON MS
Recording Date	Jun 14, 2018
Property Address	402 N FIRST ST, COLLINS, MS 39428-5005
Document Number	000331/450
Book / Page	331 / 450
Instrument Date	Jun 13, 2018
Instrument	1055722
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 652, COLLINS, MS 39428-0652

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	402 N FIRST ST, COLLINS, MS 39428-5005
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$716.00 (+177.52%) Disabled Person's exemption	$11,504 (-)
2024		$11,504 (-)	$115,040 (-) Land $6,000 Building $109,040
2023		$11,504 (-)	$115,040 (-) Land $6,000 Building $109,040
2022	$258.00 (+54.49%) Homeowner's exemption	$11,504	$115,040 Land $6,000 Building $109,040
2019	$167.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	12 (1980–2021)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Aug 2021 · Hurricane Ida

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 67% of the US · lower than 84% of Mississippi
Wildfire Likelihood	0.02% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF COLLINS serves 2,921 people · EPA ID MS0160002
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Swyft Connect Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20

May also be available: T-Mobile, Xfinity.

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