5877 Spay Rd, Mc Cool, MS 39108 Property Records

Choctaw County property record for 5877 Spay Rd, Mc Cool, MS 39108

Property Summary

Property Type	Commercial
Details	990 sqft · built 1989
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Tax Bill	$206 (2025)
Deeds & Mortgages	May 2012 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`106 0001 0010002`

Property Details

APN / Parcel Number

Primary APN	`106 0001 0010002`

Interior

Building Area	990 sqft Total Area
Flooring	Concrete/Cement
Interior Walls	Unfinished

Exterior

Year Built	Built 1989
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	130,680 sqft (3 acres)

Exterior Amenities

Pool House	504 sqft
Porch	Open Porch
Porch Area	320 sqft
Shed	1 Shed
Shed Area	1,064 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	5877 SPAY RD
City	MC COOL
State	MS
Zip	39108-4307
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PT W1/2 W1/2 SW1/4 W OF RD
Jurisdiction	CHOCTAW MS
Township / Civil Division	4
Census Block Group	4
Census Block	4043
Census Tract	950200

Owner

Source: Choctaw County records · APN 106 0001 0010002

Assessment roll updated September 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	5877 SPAY RD, MC COOL, MS 39108-4307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 20, 1989
Deed Sale	Mar 20, 1989
Deed Document Number	0000116456
Record Updated	Jun 08, 2026

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHOCTAW MS
Property Address	5877 SPAY RD, MC COOL, MS 39108-4307
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5877 SPAY RD, MC COOL, MS 39108-4307

Mortgage

Document Number	194/370382
Date	May 31, 2012
Book Page	194/370-382

Lender

Name	BANCORPSOUTH BANK
Address	PO BOX 4360, TUPELO, MS 38803

Agreement

Amount	Amount Recorded
Term	60 Months
Due	May 15, 2017

Tax Assessment & Valuation

Source: Choctaw County records · Assessment roll updated September 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$206.00 (+74.58%)	$4,802 (+59.06%) Land $406 Building $4,396	$44,789 (+61.97%) Land $4,056 Building $40,733
2023	$118.00	$3,019 Land $406 Building $2,613	$27,653 Land $4,056 Building $23,597

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 28, 2007 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2020–2023)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2023 · rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 40% of the US · lower than 70% of Mississippi
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
4-County Fiber Fiber	1,000 / 1,000

May also be available: AT&T, Telapex.

Based on FCC filings for 9 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	PAN HANDLE WATER ASSOCIATION public/private · serves 990 people
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.