449 Cold Springs Rd, Collins, MS 39428 Property Records

Covington County property record for 449 Cold Springs Rd, Collins, MS 39428

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,638 sqft · built 2007
Lot Size	9.2 acres (400,752 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,368 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2025 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`121012 01062`

Property Details

APN / Parcel Number

Primary APN	`121012 01062`
Alternative APN	`18231`

Interior

Full Baths	2 Baths
Building Area	2,638 sqft Adjusted Area
1st Floor Area	2,114 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	400,752 sqft (9.2 acres)
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	18231
Street Address	449 COLD SPRINGS RD
City	COLLINS
State	MS
Zip	39428-4648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9.2 AC IN SE4 SE4 E OF LIBERTY CHURCH RD B 0325 P 0401 07/19/2017
Legal Range	16W
Legal Township	07N
Legal Section	12
Jurisdiction	COVINGTON MS
Township / Civil Division	1
Census Block Group	2
Census Block	2030
Census Tract	950401

Owner

Source: Covington County records · APN 121012 01062

Assessment roll updated June 30, 2026 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	449 COLD SPRINGS RD, COLLINS, MS 39428-4648
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 05, 2025	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Jul 19, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	449 COLD SPRINGS RD, COLLINS, MS 39428-4648
Transaction Type	Mortgage
Record Updated	Dec 15, 2025
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 COLD SPRINGS RD, COLLINS, MS 39428-4648

Mortgage

Document Number	000841/204
Date	Nov 20, 2025
Book Page	841/204

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	449 COLD SPRINGS RD, COLLINS, MS 39428-4648
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 SCR 4, TAYLORSVILLE, MS 39168-5462

Mortgage

Document Number	000832/382
Date	Mar 05, 2025
Book Page	832/382

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2055

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	449 COLD SPRINGS RD, COLLINS, MS 39428-4648
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	738/391
Date	Jul 19, 2017
Book Page	738/391
Instrument	1051656

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2047

Tax Assessment & Valuation

Source: Covington County records · Assessment roll updated June 30, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,368.00 (+8.66%) Disabled Person's exemption	$17,364 (-)
2024			$172,820 (-) Land $10,130 Building $162,690
2023		$17,364 (-0.05%)	$172,820 (-0.03%) Land $10,130 Building $162,690
2022	$1,259.00 (+21.88%) Disabled Person's exemption	$17,373	$172,880 Land $10,190 Building $162,690
2019	$1,033.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Covington County (28031C), as of April 5, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280319504012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	3 in force

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 80% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Telapex Fixed Wireless	100 / 20

Based on FCC filings for 15 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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