428 Winterset Dr, Columbus, MS 39702 Property Records

Lowndes County property record for 428 Winterset Dr, Columbus, MS 39702

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,435 sqft · built 1985
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individuals on Record
Tax Bill	$1,311 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2021 Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`62W140504700`

Property Details

APN / Parcel Number

Primary APN	`62W140504700`
Alternative APNs	`019877` `19877`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,435 sqft Adjusted Area
1st Floor Area	1,240 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 WINTERSET DR
City	COLUMBUS
State	MS
Zip	39702-6436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	428 WINTERSET DR LOT 202 1B
Legal Range	18W
Legal Township	18S
Legal Section	24
Legal Subdivision	PARKLAWN SUBDIV 3RD EXT
Legal Lot Number	202
Jurisdiction	LOWNDES MS
Township / Civil Division	5
Census Block Group	1
Census Block	1009
Census Tract	600

Owner

Source: Lowndes County assessment roll, as of October 23, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	313 LOONEY RD, COLUMBUS, MS 39701-9729
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANKFIRST FINANCIAL SERVICES
Apr 26, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANK OF COMMERCE
Dec 11, 2019	Trustee's Deed, Construction Loan · Line of Credit BANK OF COMMERCE
Nov 26, 2018	Trustee's Deed, Construction Loan · Line of Credit BANK OF COMMERCE
Feb 8, 2018	Trustee's Deed, Construction Loan · Line of Credit BANK OF COMMERCE
Jun 7, 2017	Trustee's Deed, Construction Loan · Line of Credit BANK OF COMMERCE
Mar 20, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2017
Deed Sale	Mar 20, 2017
Deed Book / Page	2017 / 1822
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Recording Date	May 5, 2026
Property Address	428 WINTERSET DR, COLUMBUS, MS 39702-6436
Document Number	2026010090
Book / Page	2026 / 10090
Instrument Date	Apr 27, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 LOONEY RD, COLUMBUS, MS 39701-9729

Mortgage

Document Number	2026010090,
Date	May 5, 2026
Book Page	2026/10090

Lender

Name	BANKFIRST FINANCIAL SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 27, 2031

Interest

Rate	6.38%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	428 WINTERSET DR, COLUMBUS, MS 39702-6436
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00202112395
Date	Apr 26, 2021
Book Page	2021/12395

Lender

Name	BANK OF COMMERCE

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	May 1, 2026

December 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LOWNDES MS
Recording Date	Dec 11, 2019
Property Address	428 WINTERSET DR, COLUMBUS, MS 39702-6436
Document Number	0020196189
Book / Page	002019 / 026189
Instrument Date	Dec 6, 2019
Transaction Type	Construction Loan
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	124 S SMITH MILL RD CALEDONIA MS 397408800, CALEDONIA, MS 39740-8800

Mortgage

Document Number	20196189
Date	Dec 11, 2019
Book Page	002019/026189

Lender

Name	BANK OF COMMERCE
Type	Bank
Address	COLUMBUS, MS 39701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 10, 2020

Interest

Rate Type	Adjustable Rate

November 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LOWNDES MS
Recording Date	Nov 26, 2018
Property Address	428 WINTERSET DR, COLUMBUS, MS 39702-6436
Document Number	0020184888
Book / Page	002018 / 024888
Instrument Date	Nov 2, 2018
Transaction Type	Construction Loan
Record Updated	Dec 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	124 S SMITH MILL RD CALEDONIA MS 397408800, CALEDONIA, MS 39740-8800

Mortgage

Document Number	20184888
Date	Nov 26, 2018
Book Page	002018/024888

Lender

Name	BANK OF COMMERCE
Type	Bank
Address	COLUMBUS, MS 39701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 25, 2019

Interest

Rate Type	Adjustable Rate

February 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LOWNDES MS
Recording Date	Feb 8, 2018
Property Address	428 WINTERSET DR, COLUMBUS, MS 39702-6436
Document Number	0020183102
Book / Page	002018 / 003102
Instrument Date	Jan 25, 2018
Transaction Type	Construction Loan
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	124 S SMITH MILL RD CALEDONIA MS 397408800, CALEDONIA, MS 39740-8800

Mortgage

Document Number	20183102
Date	Feb 8, 2018
Book Page	002018/003102

Lender

Name	BANK OF COMMERCE
Type	Bank
Address	COLUMBUS, MS 39701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Feb 7, 2019

Interest

Rate Type	Adjustable Rate

June 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LOWNDES MS
Recording Date	Jun 7, 2017
Property Address	428 WINTERSET DR, COLUMBUS, MS 39702-6436
Document Number	0020172573
Book / Page	002017 / 012573
Instrument Date	May 15, 2017
Transaction Type	Construction Loan
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 S SMITH MILL RD CALEDONIA MS 397408800, CALEDONIA, MS 39740-8800

Mortgage

Document Number	20172573
Date	Jun 7, 2017
Book Page	002017/012573

Lender

Name	BANK OF COMMERCE
Type	Bank
Address	COLUMBUS, MS 39701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 6, 2018

Interest

Rate Type	Adjustable Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Mar 20, 2017
Property Address	428 WINTERSET DR, COLUMBUS, MS 39702-6436
Document Number	0020171822
Book / Page	002017 / 001822
Instrument Date	Mar 16, 2017
Transaction Type	Transfer
Record Updated	Mar 28, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	124 S SMITH MILL RD CALEDONIA MS 397408800, CALEDONIA, MS 39740-8800

Tax Assessment & Valuation

Source: Lowndes County assessment roll, as of October 23, 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	$1,311.00 (+1.24%)	$8,030 (+11.71%)	$53,530 (+11.71%) Land $10,000 Building $43,530
2024	$1,295.00 (+10.21%)
2023	$1,175.00	$7,188	$47,920 Land $10,000 Building $37,920

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	72 (1978–2009)
Claims Outside the SFHA	1 of 72
Most Recent Claim	Oct 2009 · rainfall accumulation
Claims by Event	Hurricane Katrina, Aug 2005 · 2 claims Severe Storms, Tornadoes & Flooding, May 1991 · 32 claims Severe Storms & Flooding, Feb 1991 · 6 claims

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	0.02% 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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20

May also be available: 4-County Fiber.

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