48 Rocky Ln, Seminary, MS 39479 Property Records

Covington County property record for 48 Rocky Ln, Seminary, MS 39479

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,334 sqft · built 1979
Lot Size	6 acres (261,360 sqft)
Owner	Individual Name on File
Tax Bill	$667 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064018 00510`

Property Details

APN / Parcel Number

Primary APN	`064018 00510`
Alternative APN	`796`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,334 sqft Adjusted Area
1st Floor Area	1,903 sqft
Flooring	Hardwood
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	261,360 sqft (6 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	192 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	796
Street Address	48 ROCKY LN
City	SEMINARY
State	MS
Zip	39479-4216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 6 AC OF W2 NW4 NE4 B 0290 P 0163 02/08/2011
Legal Range	15W
Legal Township	06N
Legal Section	18
Jurisdiction	COVINGTON MS
Township / Civil Division	2
Census Block Group	2
Census Block	2027
Census Tract	950402

Owner

48 Rocky Ln is owned and occupied by an individual who acquired it in February 2011.

Source: Covington County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	48 ROCKY LN, SEMINARY, MS 39479-4216
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
Apr 12, 2023	Deed of Trust, Mortgage · Line of Credit BANKFIRST FINANCIAL SERVICES
Feb 9, 2022	Deed of Trust, Mortgage · Line of Credit BANKFIRST FINANCIAL SERVICES
Jul 31, 2020	Deed of Trust, Mortgage QUICKEN LOANS INC
Jun 3, 2019	Deed of Trust, Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 8, 2011
Transfer Doc	290/163
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	48 ROCKY LN, SEMINARY, MS 39479-4216
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 ROCKY LN, SEMINARY, MS 39479-4216

Mortgage

Document Number	000812/391
Date	Apr 12, 2023
Book Page	812/391

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank
Address	HATTIESBURG, MS 39402

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Mar 27, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	48 ROCKY LN, SEMINARY, MS 39479-4216
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 ROCKY LN, SEMINARY, MS 39479-4216

Mortgage

Document Number	0000798/53
Date	Feb 9, 2022
Book Page	798/53

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank
Address	HATTIESBURG, MS 39402

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	48 ROCKY LN, SEMINARY, MS 39479-4216
Transaction Type	Mortgage
Record Updated	Aug 13, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	779/395
Date	Jul 31, 2020
Book Page	779/395
Instrument	1064652

Lender

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

Agreement

Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	48 ROCKY LN, SEMINARY, MS 39479-4216
Transaction Type	Mortgage
Record Updated	Jul 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	764/223
Date	Jun 3, 2019
Book Page	764/223
Instrument	1059823

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 48 Rocky Ln was $667 with exemptions applied, down 9.5% from the year before.

Source: Covington County assessment roll, as of June 30, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$667.00 (-9.5%) Disabled Person's exemption	$10,067
2024	$737.00		$97,460 (-4.94%) Land $8,740 Building $88,720
2023		$10,827 (+4.46%)	$102,530 (+4.74%) Land $8,970 Building $93,560
2022	$630.00 Disabled Person's exemption	$10,365	$97,890 Land $9,010 Building $88,880
2019	$499.00

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

Flood

FEMA maps place 48 Rocky Ln 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 April 5, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (2021–2026)
Most Recent Claim	Jun 2026 · Tropical Storm Arthur

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 48 Rocky Ln is moderate, ranking above 65% 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 65% of the US · above 84% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
C Spire Wireless Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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