Tate County property record for 470 Central Ave, Coldwater, MS 38618
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,802 sqft · built 1941 |
| Owner | Individual Name on File |
| Tax Bill | $1,180 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Mar 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 039P06 0001200 |
| Primary APN | 039P06 0001200 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Building Area | 2,802 sqft Finished Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1941 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Street Address | 470 CENTRAL AVE |
|---|---|
| City | COLDWATER |
| State | MS |
| Zip | 38618-3843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 76 & PT LOTS 78 & 79 PT 5 1941 EXT TOWN OF COLDWATER |
| Legal Range | 07 |
| Legal Township | 04 |
| Legal Section | 31 |
| Legal Lot Number | 76,78-7 |
| Jurisdiction | TATE MS |
| Township / Civil Division | 3 |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 950301 |
470 Central Ave is owned and occupied by an individual.
Source: Tate County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 470 CENTRAL AVE, COLDWATER, MS 38618-3843 |
| 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 |
|---|---|
| Oct 20, 2025 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT |
| Mar 26, 2024 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT |
| Feb 7, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT |
| Aug 5, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT |
| Jun 13, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Apr 2, 2018 | Deed of Trust, Mortgage · FHA Mortgage EVOLVE BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 470 CENTRAL AVE, COLDWATER, MS 38618-3843 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|
| Document Number | 2025/13458 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | 2025/13458 |
| Name | SECRETARY OF HOUSING URBAN & DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 1, 2065 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 470 CENTRAL AVE, COLDWATER, MS 38618-3843 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 02024/3457 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | 2024/3457 |
| Name | SECRETARY OF HOUSING URBAN & DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 470 CENTRAL AVE, COLDWATER, MS 38618-3843 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02023/1276 |
|---|---|
| Date | Feb 7, 2023 |
| Book Page | 2023/1276 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 470 CENTRAL AVE, COLDWATER, MS 38618-3843 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022/13160 |
|---|---|
| Date | Aug 5, 2022 |
| Book Page | 2022/13160 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Sep 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 470 CENTRAL AVE, COLDWATER, MS 38618-3843 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/9848 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 2022/9848 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TATE MS |
| Property Address | 470 CENTRAL AVE, COLDWATER, MS 38618-3843 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000003285 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 0000002018/0000003285 |
| Name | EVOLVE BANK & TRUST |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 470 Central Ave was $1,180.
Source: Tate County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Tate County |
| Municipality | Coldwater Town |
| Unified School District | Tate County School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,180.00 | $6,555 Land $1,533 Building $5,022 | $65,554 Land $15,330 Building $50,224 |
| 2023 | $1,180.00 | $6,555 Land $1,533 Building $5,022 | $65,554 Land $15,330 Building $50,224 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 470 Central Ave in Zone X, an area of minimal flood risk.
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 File 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 risk around 470 Central Ave is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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