654 W Main St, Tupelo, MS 38804 Property Records

Lee County property record for 654 W Main St, Tupelo, MS 38804

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,605 sqft · built 1938
Lot Size	0.152 acres (6,600 sqft)
Owner	Company Name on Record
Last Sale	$96,500 (Jul 2015)
Tax Bill	$3,351 (2025)
Deeds & Mortgages	Dec 2019 Mortgage May 2013 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`089J-31-284-00`

Property Details

APN / Parcel Number

Primary APN	`089J-31-284-00`
Alternative APNs	`025139` `25139`

Interior

Building Area	2,605 sqft Heated Area
1st Floor Area	2,605 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	120 ft deep x 55 ft wide
Patio Area	672 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	654 W MAIN ST
City	TUPELO
State	MS
Zip	38804-3746
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	LOT PT SE1/4 NW1/4
Legal Range	06E
Legal Township	09S
Legal Section	31
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 January 9, 2026

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	398 E MAIN ST, 119, TUPELO, MS 38804-4037
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2019	Deed of Trust, Mortgage COMMUNITY BANK OF MISSISSIPPI
May 7, 2013	Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK
Dec 31, 2025	Warranty Deed, Transfer · Stand-Alone First Mortgage BANKOKOLONA
Jul 9, 2015	Warranty Deed, Transfer · Commercial Mortgage COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2015 · Amount on Record
Deed Sale	Jul 9, 2015 · Amount on Record
Deed Document Number	20158194
Prior Transfer Date	Jul 7, 2015
Prior Transfer Doc	2015008195
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	654 W MAIN ST, TUPELO, MS 38804-3746
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1521 PRESLEY CIR, TUPELO, MS 38804-1232

Mortgage

Document Number	2019015457
Date	Dec 9, 2019
Instrument	2019015457

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Amount	Amount Recorded
Term	59 Months
Due	Nov 22, 2024

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE MS
Property Address	654 W MAIN ST, TUPELO, MS 38804-3746
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013006027
Date	May 7, 2013
Instrument	2013006027

Lender

Name	RENASANT BANK
Type	Bank
Address	309 HWY 15 PO PONTOTOC MS N BOX 270

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 10, 2018

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE MS
Recording Date	Dec 31, 2025
Property Address	654 W MAIN ST, TUPELO, MS 38804-3746
Document Number	2025015503
Instrument Date	Dec 17, 2025
Instrument	2025015503
Transaction Type	Transfer
Record Updated	Apr 30, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1521 PRESLEY CIR, TUPELO, MS 38804-1232

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 SUNSET ISLAND TRL, GALLATIN, TN 37066-5675

Mortgage

Document Number	2025015504
Date	Dec 31, 2025
Instrument	2025015504

Lender

Name	BANKOKOLONA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 19, 2030

July 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE MS
Recording Date	Jul 9, 2015
Property Address	654 W MAIN ST, TUPELO, MS 38804-3746
Document Number	2015008194
Instrument Date	Jul 7, 2015
Instrument	2015008194
Transaction Type	Transfer
Record Updated	Nov 8, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

Mortgage

Document Number	2015008195
Date	Jul 9, 2015
Instrument	2015008195

Lender

Name	COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Lee County assessment roll, as of October 30, 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	$3,351.00 (+12.98%)	$24,653 (+11.23%)	$164,350 (+11.23%) Land $60,000 Building $104,350
2023	$2,966.00	$22,164	$147,760 Land $60,000 Building $87,760

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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