6981 Alphaba Rd, Coldwater, MS 38618 Property Records

DeSoto County property record for 6981 Alphaba Rd, Coldwater, MS 38618

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,366 sqft · built 2006
Lot Size	4.73 acres (206,474 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,561 (2025)
Deeds & Mortgages	Oct 2026 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-06-9-31-01-0-00003-00`

Property Details

APN / Parcel Number

Primary APN	`3-06-9-31-01-0-00003-00`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,366 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	206,474 sqft (4.73 acres)
Garage Area	1,500 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	6981 ALPHABA RD
City	COLDWATER
State	MS
Zip	38618-7408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	HAWKS ACRES S-D LOT 3
Legal Range	06
Legal Township	03
Legal Section	31
Legal Subdivision	HAWKS ACRES S-D
Legal Lot Number	3
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	1
Census Block	1030
Census Tract	70900

Owner

Source: DeSoto County records, as of December 22, 2025

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

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	6981 ALPHABA RD, COLDWATER, MS 38618-7408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANKFIRST FINANCIAL SERVICES
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage EAGLE BANK & TRUST CO
Apr 11, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000075233
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Recording Date	Oct 1, 2026
Property Address	6981 ALPHABA RD, COLDWATER, MS 38618-7408
Document Number	5663111574
Book / Page	5663 / 111574
Instrument Date	Sep 24, 2026
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6981 ALPHABA RD, COLDWATER, MS 38618-7408

Mortgage

Document Number	5663111574,
Date	Oct 1, 2026
Book Page	5663/111574

Lender

Name	BANKFIRST FINANCIAL SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 5, 2031

Interest

Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	6981 ALPHABA RD, COLDWATER, MS 38618-7408
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	GUARDIAN TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6981 ALPHABA RD, COLDWATER, MS 38618-7408

Mortgage

Document Number	005252/105
Date	May 26, 2021
Book Page	5252/105

Lender

Name	EAGLE BANK & TRUST CO
Type	Bank
Address	LITTLE ROCK, AR 72211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DESOTO MS
Recording Date	Apr 11, 2022
Property Address	6981 ALPHABA RD, COLDWATER, MS 38618-7408
Document Number	000993/618
Book / Page	993 / 618
Instrument Date	Apr 8, 2022
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	508 ROSE HILL RD, 508, DUCK HILL, MS 38925-9761

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	6981 ALPHABA RD, COLDWATER, MS 38618-7408

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,561.00 (+14.48%)	$34,683 (+36.67%) Land $3,792 Building $30,891	$346,834 (+36.67%) Land $37,920 Building $308,914
2023	$2,237.00	$25,378	$253,776 Land $37,920 Building $215,856

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 June 5, 2026 · 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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2011)
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Associated 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 71% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

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