Tippah County property record for 409 E Water St, Ripley, MS 38663
| Property Type | Commercial Office |
|---|---|
| Details | 1 ba · 3,440 sqft · built 1975 |
| Lot Size | 0.241 acres (10,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $199,348 (Jun 2025) |
| Tax Bill | $2,027 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Aug 2024 Refinance + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 3-643G-13-067.00 |
| Primary APN | 3-643G-13-067.00 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 1 Room |
| Building Area | 3,440 sqft Adjusted Area |
| 1st Floor Area | 3,440 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Overhead Door | Overhead Door |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,500 sqft (0.241 acres) |
| Lot Dimensions | 100 ft deep x 105 ft wide |
| Patio Area | 3,440 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Convection |
| Street Address | 409 E WATER ST |
|---|---|
| City | RIPLEY |
| State | MS |
| Zip | 38663-2117 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Legal Description | SE PT SW 1/4 SW 1/4 SEC 13-4-3 105' X 100' |
| Legal Range | 003 |
| Legal Township | 004 |
| Legal Section | 13 |
| Jurisdiction | TIPPAH MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 950300 |
Source: Tippah County records, as of March 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 | 311 CLEVELAND ST, NEW ALBANY, MS 38652-4407 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2017 | Deed of Trust, Mortgage BNA BANK |
| Aug 2, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF HOLLY SPRINGS |
| Jun 11, 2025 | Warranty Deed, Transfer · Stand-Alone Refinance BANK OF HOLLY SPRINGS |
| May 20, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage BANK OF HOLLY SPRINGS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2025 · Amount on Record |
| Deed Sale | Jun 11, 2025 · Amount on Record |
| Prior Sale | May 25, 2021 |
| Deed Document Number | 20251225 |
| Prior Transfer Date | Nov 8, 2006 |
| Prior Transfer Doc | 000231/126 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPPAH MS |
| Property Address | 409 E WATER ST, RIPLEY, MS 38663-2117 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2017002367 |
|---|---|
| Date | Oct 19, 2017 |
| Instrument | 2017002367 |
| Name | BNA BANK |
|---|---|
| Type | Bank |
| Address | NEW ALBANY, MS 38652 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Oct 19, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TIPPAH MS |
| Property Address | 409 E WATER ST, RIPLEY, MS 38663-2117 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2024001656 |
|---|---|
| Date | Aug 2, 2024 |
| Instrument | 2024001656 |
| Name | BANK OF HOLLY SPRINGS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPPAH MS |
| Recording Date | Jun 11, 2025 |
| Property Address | 409 E WATER ST, RIPLEY, MS 38663-2117 |
| Document Number | 2025001225 |
| Instrument Date | Jun 3, 2025 |
| Instrument | 2025001225 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 311 CLEVELAND ST, NEW ALBANY, MS 38652-4407 |
| Document Number | 2025001226 |
|---|---|
| Date | Jun 11, 2025 |
| Instrument | 2025001226 |
| Name | BANK OF HOLLY SPRINGS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TIPPAH MS |
| Recording Date | May 20, 2021 |
| Property Address | 409 E WATER ST, RIPLEY, MS 38663-2117 |
| Document Number | 2021001251 |
| Instrument Date | May 14, 2021 |
| Instrument | 2021001251 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 E WATER ST, RIPLEY, MS 38663-2117 |
| Document Number | 2021001252 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 2021001252 |
| Name | BANK OF HOLLY SPRINGS |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2041 |
Source: Tippah County assessment roll, as of February 10, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Tippah County |
| Municipality | Ripley City |
| Unified School District | South Tippah School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,027.00 (+0.05%) | $13,808 (-) | |
| 2024 | $2,026.00 (-1.32%) | $13,808 (-) | $92,050 (-) Land $6,250 Building $85,800 |
| 2023 | $2,053.00 (+15.01%) | $13,808 (+15.25%) | $92,050 (+15.25%) Land $6,250 Building $85,800 |
| 2022 | $1,785.00 | $11,981 | |
| 2021 | $79,870 Land $6,250 Building $73,620 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective June 18, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2010 · Severe Storms, Tornadoes, 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 60% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.08% 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 | SPOUT SPRINGS W/A public/private · serves 607 people · EPA ID MS0700009 |
|---|---|
| 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 | 2 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 247 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TEPAConnect Fiber | 1,000 / 1,000 |
| Buckeye Cablesystem Cable | 1,000 / 20 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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