Tate County property record for 423 Central Ave, Coldwater, MS 38618
| Property Type | Commercial |
|---|---|
| Details | 3,018 sqft · built 1940 |
| Lot Size | 0.108 acres (4,739 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,676 (2025) |
| Deeds & Mortgages | Mar 2020 Refinance Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 039P14 0000700 |
| Primary APN | 039P14 0000700 |
|---|
| Building Area | 3,018 sqft Finished Area |
|---|---|
| 1st Floor Area | 3,000 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Brick |
| Roof Material | Built-Up Asphalt |
| Lot Area | 4,739 sqft (0.108 acres) |
| Street Address | 423 CENTRAL AVE |
|---|---|
| City | COLDWATER |
| State | MS |
| Zip | 38618-3915 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | PT BLK C PT 4 1941 EXT(CLINIC) 423 CENTRAL AVE |
| Legal Range | 07 |
| Legal Township | 04 |
| Legal Section | 31 |
| Legal Block | C |
| Jurisdiction | TATE MS |
| Township / Civil Division | 3 |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 950301 |
Source: Tate County assessment roll, as of December 9, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 423 CENTRAL AVE, COLDWATER, MS 38618-3915 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 6, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTY BANK & TRUST COMPANY |
| Nov 13, 2018 | Deed of Trust, Mortgage GUARANTY BANK SSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 21, 2024 |
| Deed Sale | May 21, 2024 |
| Deed Book / Page | 2024 / 1830 |
| Prior Transfer Date | May 15, 2024 |
| Prior Transfer Doc | 2024001830 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 423 CENTRAL AVE, COLDWATER, MS 38618-3915 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/3033 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 2020/3033 |
| Name | GUARANTY BANK & TRUST COMPANY |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Apr 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 423 CENTRAL AVE, COLDWATER, MS 38618-3915 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000014028 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 0000002018/0000014028 |
| Name | GUARANTY BANK SSB |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 50 Months |
| Due | Jan 1, 2023 |
Source: Tate County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Tate County |
| Municipality | Coldwater Town |
| Unified School District | Tate County School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,676.00 (+22.78%) | $10,773 (+29.76%) Land $771 Building $10,002 | $71,822 (+29.77%) Land $5,140 Building $66,682 |
| 2023 | $1,365.00 | $8,302 Land $771 Building $7,531 | $55,347 Land $5,140 Building $50,207 |
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 May 3, 2021 · 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 Record median of 10 policies |
| Nearby Flood Policies | 10 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 80% of the US · lower than 90% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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 | TOWN OF COLDWATER serves 1,381 people · EPA ID MS0690002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 Sanitary survey deficiency not corrected Feb 2011 |
| 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.
Source: FCC Broadband Data Collection, based on 227 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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