515 Lott Town Rd, Sumrall, MS 39482 Property Records

Covington County property record for 515 Lott Town Rd, Sumrall, MS 39482

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,304 sqft · built 2012
Lot Size	10.2 acres (444,312 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,473 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`067035 00105`

Property Details

APN / Parcel Number

Primary APN	`067035 00105`
Alternative APN	`18074`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,304 sqft Adjusted Area
1st Floor Area	2,450 sqft
2nd Floor Area	240 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	444,312 sqft (10.2 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Patio Area	880 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	18074
Street Address	515 LOTT TOWN RD
City	SUMRALL
State	MS
Zip	39482-4732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT N2 NW4 S OF RD B 0351 P 0215 11/17/2021
Legal Range	15W
Legal Township	06N
Legal Section	35
Jurisdiction	COVINGTON MS
Township / Civil Division	2
Census Block Group	3
Census Block	3118
Census Tract	950402

Owner

Source: Covington County records, as of June 30, 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 Record
Mailing Address	515 LOTT TOWN RD, SUMRALL, MS 39482-4732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MUTUAL CU
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK
Nov 17, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2010
Deed Sale	Aug 4, 2010
Deed Book / Page	287 / 416
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	515 LOTT TOWN RD, SUMRALL, MS 39482-4732
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 LOTT TOWN RD, SUMRALL, MS 39482-4732

Mortgage

Document Number	0000838/35
Date	Aug 22, 2025
Book Page	838/35

Lender

Name	MUTUAL CU
Type	Credit Union
Address	VICKSBURG, MS 39180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	177 Months
Due	May 8, 2040

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	515 LOTT TOWN RD, SUMRALL, MS 39482-4732
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	PLACER TITLE COMPANY, PILGER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15W SPANISH OAKS, SUMRALL, MS 39482

Mortgage

Document Number	000795/524
Date	Nov 17, 2021
Book Page	795/524

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON MS
Recording Date	Nov 17, 2021
Property Address	515 LOTT TOWN RD, SUMRALL, MS 39482-4732
Document Number	000351/215
Book / Page	351 / 215
Instrument Date	Sep 17, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 SYCAMORE CIR, PETAL, MS 39465-9467

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 LOTT TOWN RD, SUMRALL, MS 39482-4732

Tax Assessment & Valuation

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	$2,473.00 (+7.9%) Disabled Person's exemption	$28,869 (+0.01%)
2024		$28,865 (-0.02%)	$287,960 (+0.01%) Land $11,460 Building $276,500
2023		$28,872 (-0.03%)	$287,930 (-0.03%) Land $11,430 Building $276,500
2022	$2,292.00 (+20.31%) Disabled Person's exemption	$28,880	$288,030 Land $11,530 Building $276,500
2019	$1,905.00

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (2016)
Most Recent Claim	Mar 2016 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2016 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 86% of Mississippi
Wildfire Likelihood	0.3% 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 4 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

May also be available: AT&T.

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