4632 Ridge Rd, Columbus, MS 39705 Property Records

Lowndes County property record for 4632 Ridge Rd, Columbus, MS 39705

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,123 sqft · built 1970
Lot Size	0.834 acres (36,345 sqft)
Owner	2 Individual Names on File
Last Sale	$177,900 (Aug 2021)
Tax Bill	$1,024 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`42W000000360`

Property Details

APN / Parcel Number

Primary APN	`42W000000360`
Alternative APNs	`005539` `5539`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	2,123 sqft Adjusted Area
1st Floor Area	1,770 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,345 sqft (0.834 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4632 RIDGE RD
City	COLUMBUS
State	MS
Zip	39705-2861
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE4 SE4 4632 RIDGE RD 6A
Legal Range	18W
Legal Township	17S
Legal Section	15
Legal Subdivision	SEC15 T17S R18W SE4
Jurisdiction	LOWNDES MS
Township / Civil Division	1
Census Block Group	1
Census Block	1004
Census Tract	301

Owner

4632 Ridge Rd is owned and occupied by two individuals who acquired it in April 2023.

Source: Lowndes County records, as of January 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4632 RIDGE RD, COLUMBUS, MS 39705-2861
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · FHA Mortgage BANCORPSOUTH BANK
Feb 18, 2025	Transfer on Death Deed, Transfer
Apr 18, 2023	Transfer on Death Deed, Transfer
Aug 9, 2021	Warranty Deed, Transfer · FHA Mortgage BANCORPSOUTH BANK
Feb 27, 2019	Warranty Deed, Transfer · Line of Credit MISSISSIPPI LAND BK ACA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2021 · Amount on File
Deed Sale	Aug 9, 2021 · Amount on File
Prior Sale	Dec 11, 2015 · Amount on File
Deed Book / Page	2021 / 7161
Last Transfer Date	Apr 11, 2023
Transfer Doc	0020233098
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	4632 RIDGE RD, COLUMBUS, MS 39705-2861
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00202125064
Date	Aug 9, 2021
Book Page	2021/25064

Lender

Name	BANCORPSOUTH BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

February 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LOWNDES MS
Recording Date	Feb 18, 2025
Property Address	4632 RIDGE RD, COLUMBUS, MS 39705-2861
Document Number	0020251127
Book / Page	2025 / 1127
Instrument Date	Feb 18, 2025
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4632 RIDGE RD, COLUMBUS, MS 39705-2861

April 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LOWNDES MS
Recording Date	Apr 18, 2023
Property Address	4632 RIDGE RD, COLUMBUS, MS 39705-2861
Document Number	0020233098
Book / Page	2023 / 3098
Map Reference	MB 1 PG 86
Instrument Date	Apr 11, 2023
Instrument	1030697
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4632 RIDGE RD, COLUMBUS, MS 39705-2861

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Aug 9, 2021
Property Address	4632 RIDGE RD, COLUMBUS, MS 39705-2861
Document Number	0020217161
Book / Page	2021 / 7161
Instrument Date	Aug 6, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4632 RIVER RD, COLUMBUS, MS 39705
Investor	Possibly a Property Investor

Mortgage

Document Number	0202125064
Date	Aug 9, 2021
Instrument	2021/25064

Lender

Name	BANCORPSOUTH BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Feb 27, 2019
Property Address	4632 RIDGE RD, COLUMBUS, MS 39705-2861
Document Number	0020191293
Book / Page	002019 / 001293
Instrument Date	Feb 26, 2019
Transaction Type	Transfer
Record Updated	Mar 22, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4632 RIDGE RD COLUMBUS MS 397052861, COLUMBUS, MS 39705-2861

Mortgage

Document Number	20193125
Date	Feb 27, 2019
Book Page	002019/003125

Lender

Name	MISSISSIPPI LAND BK ACA
Type	Bank
Address	SENATOBIA, MS 38668-0667

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 26, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4632 Ridge Rd was $1,024 with a homeowner's exemption, up 1.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,024.00 (+1.09%) Homeowner's exemption	$13,536	$135,360 Land $20,000 Building $115,360
2024	$1,013.00 (+20.6%)
2023	$840.00 Homeowner's exemption	$11,800	$118,000 Land $20,000 Building $98,000

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

FEMA maps place 4632 Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Nearby Flood Policies	46 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

Wildfire risk around 4632 Ridge Rd is low, with a 0.03% annual chance of 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	0.03% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST LOWNDES W/A #2-HUCKLEBERRY public/private · serves 7,035 people · EPA ID MS0440080
Water Source	Groundwater
Last State Inspection	Nov 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	4 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
4-County Fiber Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Rd

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