540 Lott Town Rd, Sumrall, MS 39482 Property Records

Covington County property record for 540 Lott Town Rd, Sumrall, MS 39482

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,844 sqft · built 2011
Lot Size	26 acres (1,132,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,931 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`067035 00103`

Property Details

APN / Parcel Number

Primary APN	`067035 00103`
Alternative APN	`18070`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,844 sqft Adjusted Area
1st Floor Area	3,064 sqft
Utility Area	256 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	1,132,560 sqft (26 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Utility Building	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	18070
Street Address	540 LOTT TOWN RD
City	SUMRALL
State	MS
Zip	39482-4735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT N2 NW4 N OF RD B 0349 P 0651 08/27/2021
Legal Range	15W
Legal Township	06N
Legal Section	35
Jurisdiction	COVINGTON MS
Township / Civil Division	2
Census Block Group	3
Census Block	3110
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	540 LOTT TOWN RD, SUMRALL, MS 39482-4735
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 19, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 7, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 27, 2021	Warranty Deed, Transfer RUCKETT LAND TITLE INC, LUCKETT LAND TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2010
Deed Sale	Apr 26, 2010
Deed Book / Page	285 / 419
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	540 LOTT TOWN RD, SUMRALL, MS 39482-4735
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	RUCKETT LAND TITLE INC, LUCKETT LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 LOTT TOWN RD, SUMRALL, MS 39482-4735

Mortgage

Document Number	000792/776
Date	Aug 27, 2021
Book Page	792/776

Lender

Name	CITIZENS BANK
Type	Bank
Address	COLUMBIA, MS 39429

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	540 LOTT TOWN RD, SUMRALL, MS 39482-4735
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 LOTT TOWN RD, SUMRALL, MS 39482-4735

Mortgage

Document Number	000800/699
Date	Apr 18, 2022
Book Page	800/699

Lender

Name	CITIZENS BANK
Type	Bank
Address	SEMINARY, MS 39479

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	540 LOTT TOWN RD, SUMRALL, MS 39482-4735
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 LOTT TOWN RD, SUMRALL, MS 39482-4735

Mortgage

Document Number	0000802/18
Date	May 19, 2022
Book Page	802/18

Lender

Name	CITIZENS BANK
Type	Bank
Address	SEMINARY, MS 39479

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COVINGTON MS
Property Address	540 LOTT TOWN RD, SUMRALL, MS 39482-4735
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 LOTT TOWN RD, SUMRALL, MS 39482-4735

Mortgage

Document Number	000834/165
Date	May 7, 2025
Book Page	834/165

Lender

Name	CITIZENS BANK
Type	Bank
Address	SEMINARY, MS 39479

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 2, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COVINGTON MS
Recording Date	Aug 27, 2021
Property Address	540 LOTT TOWN RD, SUMRALL, MS 39482-4735
Document Number	000349/651
Book / Page	349 / 651
Instrument Date	Aug 25, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	RUCKETT LAND TITLE INC, LUCKETT LAND TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5704 CALLAWAY LN, FORT SMITH, AR 72916-8431

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 LOTT TOWN RD, SUMRALL, MS 39482-4735

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	$2,931.00 (+13.47%) Disabled Person's exemption	$33,623 (+0.03%)
2024		$33,612 (-0.11%)	$334,160 (+0.02%) Land $14,130 Building $320,030
2023		$33,649 (+4.8%)	$334,090 (+4.78%) Land $14,060 Building $320,030
2022	$2,583.00 (+20.98%) Disabled Person's exemption	$32,109	$318,850 Land $14,460 Building $304,390
2019	$2,135.00

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 69% of the US · above 88% 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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