630 Spears Trce, Raymond, MS 39154 Property Records

Hinds County property record for 630 Spears Trce, Raymond, MS 39154

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,305 sqft · built 1985
Lot Size	0.99 acres (43,113 sqft)
Owner	Individual Name on Record
Tax Bill	$1,304 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`4855-0366-000`

Property Details

APN / Parcel Number

Primary APN	`4855-0366-000`
Alternative APN	`094150000001000114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,305 sqft Living Area
1st Floor Area	2,305 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Asphalt
Lot Area	43,113 sqft (0.99 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	630 SPEARS TRCE
City	RAYMOND
State	MS
Zip	39154-9574
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 SHADOW LAKE EST PT 2
Legal Subdivision	SHADOW LAKE EST PT 2
Legal Lot Number	3
Jurisdiction	HINDS MS
Township / Civil Division	4
Census Block Group	1
Census Block	1007
Census Tract	10809

Owner

Source: Hinds County records, as of May 27, 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 Record
Mailing Address	630 SPEARS TRCE, RAYMOND, MS 39154-9574
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage PLANET HOME LENDING LLC
Oct 6, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2021
Deed Sale	Oct 6, 2021
Deed Document Number	20211777814
Deed Book / Page	7267 / 8420
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HINDS MS
Property Address	630 SPEARS TRCE, RAYMOND, MS 39154-9574
Transaction Type	Mortgage
Record Updated	Apr 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 SPEARS TRCE, RAYMOND, MS 39154-9574

Mortgage

Document Number	0072707758
Date	Oct 6, 2021
Book Page	7270/7758
Instrument	1777835

Lender

Name	PLANET HOME LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HINDS MS
Recording Date	Oct 6, 2021
Property Address	630 SPEARS TRCE, RAYMOND, MS 39154-9574
Document Number	0072678420
Book / Page	7267 / 8420
Instrument Date	Sep 30, 2021
Instrument	1777814
Transaction Type	Transfer
Record Updated	May 11, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1108 GERRITS LNDG, BRANDON, MS 39047-7774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 SPEARS TRCE, RAYMOND, MS 39154-9574

Tax Assessment & Valuation

Source: Hinds County assessment roll, as of May 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,304.00 (+4.24%) Homeowner's exemption	$13,223 (+2.54%) Land $1,500 Building $11,723	$132,230 (+2.54%) Land $15,000 Building $117,230
2024	$1,251.00 (-0.24%)	$12,896 (-) Land $1,500 Building $11,396	$128,960 (-) Land $15,000 Building $113,960
2023	$1,254.00 (-44.93%) Homeowner's exemption	$12,896 (-33.33%) Land $1,500 Building $11,396	$128,960 (-) Land $15,000 Building $113,960
2022	$2,277.00	$19,344 Land $2,250 Building $17,094	$128,960 Land $15,000 Building $113,960

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 July 19, 2021 · 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 19 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	63 (1980–2020)
Claims Outside the SFHA	34 of 63
Most Recent Claim	Apr 2020 · river or lake flooding
Claims by Event	Hurricane Katrina, Aug 2005 · 3 claims Severe Storms, Tornadoes, Floods, Apr 2003 · 3 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 42% of the US · lower than 62% of Mississippi
Wildfire Likelihood	0.06% 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	CITY OF JACKSON serves 189,673 people · EPA ID MS0250008
Water Source	Surface water
Last State Inspection	Nov 2021
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	Haloacetic acids resolved · Apr 2025 Total trihalomethanes resolved · Apr 2025 Turbidity not recorded as resolved · Jul 2022
Treatment and Procedure	Corrosion control currently in violation since Jan 2020
Monitoring and Reporting	None 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Xfinity.

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