648 N Oak Ave, Ruleville, MS 38771 Property Records

Sunflower County property record for 648 N Oak Ave, Ruleville, MS 38771

Property Summary

Property Type	Commercial
Details	2,304 sqft · built 1990
Lot Size	0.547 acres (23,840 sqft)
Owner	Individual Name on File
Tax Bill	$2,746 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`069P-31-00-323.00`

Property Details

APN / Parcel Number

Primary APN	`069P-31-00-323.00`

Interior

Building Area	2,304 sqft Finished Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Exterior Material	Metal
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	23,840 sqft (0.547 acres)
Lot Dimensions	298 ft deep x 80 ft wide

Location & Zoning

Street Address	648 N OAK AVE
City	RULEVILLE
State	MS
Zip	38771-3628
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PT LOTS 17,18,21,22 & LOTS 19 & 20 (80X298) BLK A SCEARCY'S 2ND ADD RULEVILLE OLD PCL:8069P0002300 A0000120
Legal Subdivision	SCEARCY'S SECOND ADDITION
Legal Block	A
Legal Lot Number	17-22
Jurisdiction	SUNFLOWER MS
Township / Civil Division	4
Census Block Group	3
Census Block	3002
Census Tract	950200

Owner

648 N Oak Ave, a commercial property, is owned by an individual who acquired it in May 2020.

Source: Sunflower County records, as of January 29, 2026

Owner of Record	Individual Name on File
Mailing Address	200 N WALNUT ST, EDMOND, OK 73003-3091
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK & TRUST CO
Jan 14, 2019	Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO
May 22, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2020
Deed Sale	May 22, 2020
Deed Document Number	0020203244
Deed Book / Page	2020 / 3244
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUNFLOWER MS
Property Address	648 N OAK AVE, RULEVILLE, MS 38771-3628
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 SAMMY DAVIS JR DR 3D, 3D, LANGSTON, OK 73050-5002

Mortgage

Document Number	2021005419
Date	Nov 4, 2021
Instrument	2021005419

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	59 Months
Due	Oct 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUNFLOWER MS
Property Address	648 N OAK AVE, RULEVILLE, MS 38771-3628
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 RONALDMAN RD, CLEVELAND, MS 38732-8755

Mortgage

Document Number	2019000188
Date	Jan 14, 2019
Instrument	2019000188

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 17, 2023

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUNFLOWER MS
Recording Date	May 22, 2020
Property Address	648 N OAK AVE, RULEVILLE, MS 38771-3628
Document Number	2020003244
Instrument Date	May 19, 2020
Instrument	2020003244
Transaction Type	Transfer
Record Updated	Jul 23, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 RONALDMAN RD, 224, CLEVELAND, MS 38732-8755

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 N WALNUT ST, EDMOND, OK 73003-3091

Tax Assessment & Valuation

The 2025 property tax bill for 648 N Oak Ave was $2,746.

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Sunflower County
Municipality	Ruleville City
Unified School District	Sunflower County Consolidated School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,746.00	$13,143 Land $1,650 Building $11,493	$87,619 Land $11,000 Building $76,619
2023	$2,746.00	$13,143 Land $1,650 Building $11,493	$87,619 Land $11,000 Building $76,619

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

Flood

FEMA maps place 648 N Oak Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective March 23, 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
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1979–2021)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2021 · rainfall accumulation

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 648 N Oak Ave is low, with less than a 0.01% annual chance of 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	TOWN OF BOYLE serves 1,400 people · EPA ID MS0060004
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20

May also be available: T-Mobile.

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