620 W Main St, Tupelo, MS 38804 Property Records

Lee County property record for 620 W Main St, Tupelo, MS 38804

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	7,476 sqft · built 1963
Owner	Company Name on Record
Tax Bill	$10,210 (2025)
Deeds & Mortgages	Dec 2011 Mortgage Dec 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`089J-31-276-00`

Property Details

APN / Parcel Number

Primary APN	`089J-31-276-00`
Alternative APNs	`025131` `25131`

Interior

Building Area	7,476 sqft Heated Area
Gross Area	17,866 sqft
1st Floor Area	17,693 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1963
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Rigid Frame Bar Joist
Roof Material	Tar & Gravel
Utility Building	117 sqft
Total Buildings	5 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	025131
Old Parcel Number	089J-31-276-00
Street Address	620 W MAIN ST
City	TUPELO
State	MS
Zip	38804-3733
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	LOT 1 & 3 & PT 2 NW1/4
Legal Range	06E
Legal Township	09S
Legal Section	31
Legal Subdivision	CLARK PLACE
Legal Lot Number	1,3 3
Jurisdiction	LEE MS
Township / Civil Division	3
Census Block Group	3
Census Block	3036
Census Tract	950602

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Downtown Tupelo Historic District (Boundary Increase) listed 2025 · 8 contributing resources · NRIS 14000276

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lee County records, as of October 29, 2025

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

Owner of Record	Company Name on Record
Mailing Address	324 TROY ST, TUPELO, MS 38804-4830
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2011	Deed of Trust, Mortgage · Commercial Mortgage BANCORPSOUTH BANK
Dec 9, 2025	Warranty Deed, Transfer · Line of Credit COMMUNITY BANK OF MISSISSIPPI
Jan 4, 2022	Special Warranty Deed, Transfer BANKPLUS LOAN OPERATIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2022
Deed Sale	Jan 4, 2022
Deed Document Number	2022000163
Record Updated	Sep 20, 2026

December 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	620 W MAIN ST, TUPELO, MS 38804-3733
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2011015450
Date	Dec 21, 2011
Instrument	2011015450

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	PO BOX 4360

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Mar 18, 2012

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE MS
Recording Date	Dec 9, 2025
Property Address	620 W MAIN ST, TUPELO, MS 38804-3733
Document Number	2025014502
Instrument Date	Dec 4, 2025
Instrument	2025014502
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 TROY ST, TUPELO, MS 38804-4830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 6TH AVE NW, AMORY, MS 38821-3030
Investor	Possibly a Property Investor

Mortgage

Document Number	2025014503
Date	Dec 9, 2025
Instrument	2025014503

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 5, 2040

Interest

Rate Type	Adjustable Rate

January 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LEE MS
Recording Date	Jan 4, 2022
Property Address	620 W MAIN ST, TUPELO, MS 38804-3733
Document Number	2022000163
Instrument Date	Dec 30, 2021
Instrument	2022000163
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	804 OAK GROVE RD, TUPELO, MS 38804-2012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 TROY ST, TUPELO, MS 38804-4830

Mortgage

Document Number	2022000164
Date	Jan 4, 2022
Instrument	2022000164

Lender

Name	BANKPLUS LOAN OPERATIONS
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	83 Months
Due	Dec 29, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Lee County
Municipality	Tupelo City
Unified School District	Tupelo Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,210.00 (+10.41%)	$75,101 (+8.7%)	$500,670 (+8.7%) Land $140,000 Building $360,670
2023	$9,247.00	$69,092	$460,610 Land $140,000 Building $320,610

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 November 27, 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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	3 (1980–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2022 · other causes

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	Low lower than 98% of the US · lower than 98.7% of Mississippi
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF TUPELO serves 37,000 people · EPA ID MS0410015
Water Source	Purchased surface water from N. E. MS. REGIONAL W/S
Last State Inspection	Apr 2021
Lead	Under 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, 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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Tombigbee Fiber.

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