Madison County property record for 615 Saint Charles St, Flora, MS 39071
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,367 sqft · built 1995 |
| Lot Size | 0.294 acres (12,841 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $462 (2025) |
| Deeds & Mortgages | Dec 2023 Transfer Sep 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 061I-29C-129 |
| Primary APN | 061I-29C-129 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,367 sqft Adjusted Area |
| Gross Area | 1,238 sqft |
| 1st Floor Area | 1,238 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 12,841 sqft (0.294 acres) |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|
| Account Number | 2324 |
|---|---|
| Street Address | 615 SAINT CHARLES ST |
| City | FLORA |
| State | MS |
| Zip | 39071-9758 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 6 ST CHARLES SUBDN PHASE I |
| Legal Range | 01W |
| Legal Township | 09N |
| Legal Section | 29 |
| Legal Subdivision | ST CHARLES PH 1 |
| Legal Phase | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 4 |
| Census Block Group | 4 |
| Census Block | 4046 |
| Census Tract | 30302 |
615 Saint Charles St is owner-occupied and held in a trust since November 2023.
Source: Madison County records, as of March 23, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 615 SAINT CHARLES ST, FLORA, MS 39071-9758 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 4, 2023 | Intrafamily Transfer, Transfer |
| Sep 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 24, 2023 |
| Transfer Doc | 004391/869 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Dec 4, 2023 |
| Property Address | 615 SAINT CHARLES ST, FLORA, MS 39071-9758 |
| Document Number | 004391/869 |
| Book / Page | 4391 / 869 |
| Map Reference | CAB C SL 149 |
| Instrument Date | Nov 24, 2023 |
| Instrument | 995580 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 615 SAINT CHARLES ST, FLORA, MS 39071-9758 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 615 SAINT CHARLES ST, FLORA, MS 39071-9758 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Sep 20, 2023 |
| Property Address | 615 SAINT CHARLES ST, FLORA, MS 39071-9758 |
| Document Number | 004371/754 |
| Book / Page | 4371 / 754 |
| Map Reference | CAB C SL 149 |
| Instrument Date | Sep 20, 2023 |
| Instrument | 992074 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1220 BARNETT BEND DR, BRANDON, MS 39047-7600 |
| Name | Verified Name |
|---|---|
| Address | 615 SAINT CHARLES ST, FLORA, MS 39071-9758 |
| Document Number | 0000992075 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | 992075 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
The 2025 property tax bill for 615 Saint Charles St was $462 with a homeowner's exemption.
Source: Madison County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $462.00 Homeowner's exemption | $7,691 | $76,910 Land $11,600 Building $65,310 |
| 2024 | $462.00 | ||
| 2023 | $462.00 Homeowner's exemption | $7,691 (-) | $76,910 (-) Land $11,600 Building $65,310 |
| 2022 | $462.00 Homeowner's exemption | $7,691 | $76,910 Land $11,600 Building $65,310 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 615 Saint Charles St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · 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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (1983–2008) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | May 2008 · river or lake flooding |
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 risk around 615 Saint Charles St 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WEST MADISON UTL DIST serves 1,287 people · EPA ID MS0450016 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| NETSPEEDMS Fixed Wireless | 499 / 285 |
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