545 Elm Dr, Columbus, MS 39701 Property Records

Lowndes County property record for 545 Elm Dr, Columbus, MS 39701

Property Summary

Property Type	Single Family Home
Details	3 ba · 5,241 sqft · built 2020
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$30,000 (Aug 2024)
Tax Bill	$8,513 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13E220003000`

Property Details

APN / Parcel Number

Primary APN	`13E220003000`
Alternative APNs	`008666` `8666`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	5,241 sqft Adjusted Area
1st Floor Area	1,907 sqft
2nd Floor Area	1,805 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,810 sqft (0.339 acres)
Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	008666
Street Address	545 ELM DR
City	COLUMBUS
State	MS
Zip	39701-8807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	545 ELM DR LOT G
Legal Range	17E
Legal Township	19N
Legal Section	30
Legal Subdivision	ELM LAKE RANCH PHASE II
Legal Lot Number	G
Jurisdiction	LOWNDES MS
Township / Civil Division	5
Census Block Group	1
Census Block	1037
Census Tract	1000

Owner

545 Elm Dr is owned and occupied by an individual who bought it in August 2024.

Source: Lowndes County records, as of January 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	545 ELM DR, COLUMBUS, MS 39701-8807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage CME LENDING GROUP LLC
Oct 2, 2020	Deed of Trust, Mortgage BANKFIRST FIN'L SVCS
Jan 14, 2020	Deed of Trust, Construction Loan · Line of Credit BANKFIRST FIN'L SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2024 · Amount on File
Deed Sale	Aug 2, 2024 · Amount on File
Prior Sale	Jun 17, 2005 · Amount on File
Deed Document Number	0020245617
Deed Book / Page	2024 / 5617
Record Updated	Jun 8, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Aug 2, 2024
Property Address	545 ELM DR, COLUMBUS, MS 39701-8807
Document Number	0020245617
Book / Page	2024 / 5617
Instrument Date	Jul 31, 2024
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 CLM DR, COLUMBUS, MS 39701

Mortgage

Document Number	0202415069
Date	Aug 2, 2024
Instrument	2024/15069

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2054

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	545 ELM DR, COLUMBUS, MS 39701-8807
Document Number	0020206159
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	150 SWEETBRIAR LN COLUMBUS MS 397051400, COLUMBUS, MS 39705-1400

Mortgage

Document Number	0020206159
Date	Oct 9, 2020
Book Page	002020/026159

Lender

Name	BANKFIRST FIN'L SVCS
Type	Funding / Finance Company
Address	COLUMBUS, MS 39703

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2050

January 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Recording Date	Jan 14, 2020
Property Address	545 ELM DR, COLUMBUS, MS 39701-8807
Document Number	0020200738
Book / Page	002020 / 000738
Instrument Date	Jan 10, 2020
Transaction Type	Construction Loan
Record Updated	Feb 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 ELM DR COLUMBUS MS 397018807, COLUMBUS, MS 39701-8807

Mortgage

Document Number	20200738
Date	Jan 14, 2020
Book Page	002020/000738

Lender

Name	BANKFIRST FIN'L SVCS
Type	Funding / Finance Company
Address	COLUMBUS, MS 39703

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 13, 2021

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 545 Elm Dr was $8,513, up 59.8% from the year before.

Source: Lowndes County assessment roll, as of September 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,513.00 (+59.78%)	$88,520	$590,130 Land $30,000 Building $560,130
2024	$5,328.00 (+17.98%)
2023	$4,516.00 Homeowner's exemption	$50,701	$507,010 Land $30,000 Building $477,010

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

Flood

FEMA maps place 545 Elm Dr 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 November 27, 2025 · 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	2 in force
Nearby Flood Claims	38 (1979–2002)
Claims Outside the SFHA	4 of 38
Most Recent Claim	Jan 2002 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes & Flooding, May 1991 · 8 claims Severe Storms & Flooding, Feb 1991 · 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

Wildfire risk around 545 Elm Dr is low, with a 0.04% 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	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PRAIRIE LAND WATER ASSOCIATION, INC public/private · serves 2,500 people · EPA ID MS0440096
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	6 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: 4-County Fiber.

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