431 Commerce St, Coldwater, MS 38618 Property Records

Tate County property record for 431 Commerce St, Coldwater, MS 38618

Property Summary

Property Type	Commercial Office
Details	1,317 sqft · built 1948
Lot Size	3.8 acres (165,528 sqft)
Owner	Company Name on Record
Tax Bill	$5,460 (2025)
Flood Zone	Zone X (minimal risk)
APN	`039P23 0000500`

Property Details

APN / Parcel Number

Primary APN	`039P23 0000500`

Interior

Building Area	1,317 sqft Finished Area
1st Floor Area	1,232 sqft
Office	3,517 sqft
Flooring	Tile
Interior Walls	Wood

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	165,528 sqft (3.8 acres)
Deck Area	720 sqft
Shed	1 Shed
Shed Area	3,212 sqft

Location & Zoning

Street Address	431 COMMERCE ST
City	COLDWATER
State	MS
Zip	38618-3780
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	PT LOT 80 PT 9 1941 EXT
Legal Range	07
Legal Township	04
Legal Section	31
Legal Lot Number	80
Jurisdiction	TATE MS
Township / Civil Division	3
Census Block Group	3
Census Block	3050
Census Tract	950301

Owner

Source: Tate County records, as of October 9, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 323, COLDWATER, MS 38618-0323
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

Source: Tate County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Tate County
Municipality	Coldwater Town
Unified School District	Tate County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,460.00 (-1.1%)	$35,083 (+4.51%) Land $4,275 Building $30,808	$233,887 (+4.51%) Land $28,500 Building $205,387
2023	$5,521.00	$33,569 Land $4,275 Building $29,294	$223,795 Land $28,500 Building $195,295

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 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.

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	Indirect within 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	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

Violations Reported to EPA

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.

Internet Providers

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