Tate County property record for 465 Independence Rd, Coldwater, MS 38618
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,686 sqft · built 2000 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,337 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028 28 0000402 |
| Primary APN | 028 28 0000402 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Building Area | 2,686 sqft Finished Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 435,600 sqft (10 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 1,200 sqft |
| Patio Area | 100 sqft |
| Shed | 1 Shed |
| Shed Area | 1,200 sqft |
| Street Address | 465 INDEPENDENCE RD |
|---|---|
| City | COLDWATER |
| State | MS |
| Zip | 38618-7805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT E 1/2 W 1/2 |
| Legal Range | 06 |
| Legal Township | 04 |
| Legal Section | 28 |
| Jurisdiction | TATE MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 950100 |
465 Independence Rd is owned and occupied by two individuals.
Source: Tate County records, as of December 22, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 465 INDEPENDENCE RD, COLDWATER, MS 38618-7805 |
| 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.
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK |
| Mar 24, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BANCORPSOUTH BANK |
| Feb 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC |
| Sep 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Recording Date | Jun 5, 2026 |
| Property Address | 465 INDEPENDENCE RD, COLDWATER, MS 38618-7805 |
| Document Number | 2026008416 |
| Book / Page | 2026 / 8416 |
| Instrument Date | May 27, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 465 INDEPENDENCE RD, COLDWATER, MS 38618-7805 |
| Document Number | 2026008416, |
|---|---|
| Date | Jun 5, 2026 |
| Book Page | 2026/8416 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | May 26, 2051 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 465 INDEPENDENCE RD, COLDWATER, MS 38618-7805 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/5169 |
|---|---|
| Date | Mar 24, 2022 |
| Book Page | 2022/5169 |
| Name | BANCORPSOUTH BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 465 INDEPENDENCE RD, COLDWATER, MS 38618-7805 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/1772 |
|---|---|
| Date | Feb 1, 2022 |
| Book Page | 2022/1772 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 465 INDEPENDENCE RD, COLDWATER, MS 38618-7805 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017 9737 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 2017/9737 |
| Instrument | 2017 9737 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2032 |
The 2025 property tax bill for 465 Independence Rd was $2,337.
Source: Tate County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Tate County |
| Unified School District | Tate County School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,337.00 | $21,550 Land $3,500 Building $18,050 | $215,499 Land $35,000 Building $180,499 |
| 2023 | $1,952.00 | $16,981 Land $3,500 Building $13,481 | $169,810 Land $35,000 Building $134,810 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 465 Independence Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 3, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 465 Independence Rd is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 75% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| Verizon Fixed Wireless | 300 / 20 |
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