Lowndes County property record for 712 Spruce St, Columbus, MS 39702
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,449 sqft · built 1960 |
| Lot Size | 0.271 acres (11,837 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $62,500 (Oct 2022) |
| Tax Bill | $1,349 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 62W050605300 |
| Primary APN | 62W050605300 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 5 Rooms |
| Building Area | 1,449 sqft Adjusted Area |
| 1st Floor Area | 1,188 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 11,837 sqft (0.271 acres) |
| Lot Dimensions | 133 ft deep x 89 ft wide |
| Utility Building | 800 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 018307 |
|---|---|
| Street Address | 712 SPRUCE ST |
| City | COLUMBUS |
| State | MS |
| Zip | 39702-5426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 712 SPRUCE ST LOT 147 4B |
| Legal Range | 18W |
| Legal Township | 18S |
| Legal Section | 13 |
| Legal Subdivision | CHILCUTT 2ND EXT |
| Legal Lot Number | 147 |
| Jurisdiction | LOWNDES MS |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 500 |
Source: Lowndes County records, as of December 15, 2025
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 | 712 SPRUCE ST, COLUMBUS, MS 39702-5426 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2022 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 20, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS NAT'L BK/MERIDIAN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2022 · Amount on Record |
| Deed Sale | Oct 17, 2022 · Amount on Record |
| Prior Sale | Jun 13, 2013 |
| Deed Document Number | 0020228615 |
| Deed Book / Page | 2022 / 8615 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWNDES MS |
| Property Address | 712 SPRUCE ST, COLUMBUS, MS 39702-5426 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00202225888 |
|---|---|
| Date | Oct 17, 2022 |
| Book Page | 2022/25888 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWNDES MS |
| Property Address | 712 SPRUCE ST, COLUMBUS, MS 39702-5426 |
| Document Number | 0020171836 |
| Book / Page | 002017 / 021836 |
| Instrument Date | Sep 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1618 SEMINOLE DR COLUMBUS MS 397051408, COLUMBUS, MS 39705-1408 |
| Document Number | 0020171836 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 002017/021836 |
| Name | CITIZENS NAT'L BK/MERIDIAN |
|---|---|
| Type | Bank |
| Address | COLUMBUS, MS 39705 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 2, 2022 |
| Rate Type | Adjustable Rate |
|---|
Source: Lowndes County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lowndes County |
| Municipality | Columbus City |
| Unified School District | Columbus Municipal School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,349.00 (+1.58%) Homeowner's exemption | $10,096 (+61.59%) | $100,960 (+61.59%) Land $8,540 Building $92,420 |
| 2024 | $1,328.00 (+72.69%) | ||
| 2023 | $769.00 Homeowner's exemption | $6,248 | $62,480 Land $8,540 Building $53,940 |
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.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1982–1983) |
| Most Recent Claim | Jan 1983 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 90% of Mississippi |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COLUMBUS LIGHT & WATER serves 23,616 people · EPA ID MS0440003 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 396 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 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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