78 River Ln, Columbus, MS 39702 Property Records

Lowndes County property record for 78 River Ln, Columbus, MS 39702

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,942 sqft · built 1997
Lot Size	0.539 acres (23,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$134,340 (Jun 2021)
Tax Bill	$705 (2025)
Deeds & Mortgages	Jun 2021 Refinance Feb 2022 Refinance + 4 more
Flood Zone	Zone AE (high risk)
APN	`93W220003200`

Property Details

APN / Parcel Number

Primary APN	`93W220003200`
Alternative APNs	`026150` `26150`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,942 sqft Adjusted Area
1st Floor Area	1,292 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	23,498 sqft (0.539 acres)
Utility Building	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	78 RIVER LN
City	COLUMBUS
State	MS
Zip	39702-7200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE4 SW4 78 RIVER LANE 7A
Legal Range	17W
Legal Township	20S
Legal Section	16
Legal Subdivision	SEC6 SW4 SEC7 NW4 T16S R16W
Jurisdiction	LOWNDES MS
Township / Civil Division	3
Census Block Group	1
Census Block	1031
Census Tract	403

Owner

Source: Lowndes County records, as of December 16, 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
Mailing Address	78 RIVER LN, COLUMBUS, MS 39702-7200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE RESEARCH CENTER LLC
Feb 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CADENCE BANK NA
Aug 14, 2020	Warranty Deed, Transfer
Sep 5, 2019	Deed of Trust, Mortgage · VA Mortgage JTS & CO
Mar 7, 2018	Quit Claim Deed, Transfer · VA Mortgage GMFS
Jan 25, 2017	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2021 · Amount on Record
Deed Sale	Jun 3, 2021 · Amount on Record
Prior Sale	Aug 14, 2020 · Amount on Record
Deed Book / Page	2021 / 4469
Prior Transfer Date	May 28, 2021
Prior Transfer Doc	0020214469
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	78 RIVER LN, COLUMBUS, MS 39702-7200
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00202117363
Date	Jun 3, 2021
Book Page	2021/17363

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2041

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	78 RIVER LN, COLUMBUS, MS 39702-7200
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0020224265
Date	Feb 22, 2022
Book Page	2022/4265

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Aug 14, 2020
Property Address	78 RIVER LN, COLUMBUS, MS 39702-7200
Document Number	0020205612
Book / Page	2020 / 5612
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	78 RIVER LN, COLUMBUS, MS 39702-7200
Document Number	0020198941
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	78 RIVER LN COLUMBUS MS 397027200, COLUMBUS, MS 39702-7200

Mortgage

Document Number	0020198941
Date	Sep 11, 2019
Book Page	002019/018941

Lender

Name	JTS & CO
Address	COLUMBUS, MS 39705

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWNDES MS
Recording Date	Mar 7, 2018
Property Address	78 RIVER LN, COLUMBUS, MS 39702-7200
Document Number	0020181514
Book / Page	002018 / 001514
Instrument Date	Feb 26, 2018
Transaction Type	Transfer
Record Updated	Mar 15, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	78 RIVER LN COLUMBUS MS 397027200, COLUMBUS, MS 39702-7200

Mortgage

Document Number	20184887
Date	Mar 7, 2018
Book Page	002018/004887

Lender

Name	GMFS
Address	BATON ROUGE, LA 70806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2048

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	78 RIVER LN, COLUMBUS, MS 39702-7200
Document Number	0020172818
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	78 RIVER LN COLUMBUS MS 397027200, COLUMBUS, MS 39702-7200

Mortgage

Document Number	0020172818
Date	Feb 3, 2017
Book Page	002017/002818

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2047

Tax Assessment & Valuation

Source: Lowndes County assessment roll, as of October 23, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$705.00 (+0.14%) Homeowner's exemption	$10,281 (+30.44%)	$102,810 (+30.44%) Land $5,000 Building $97,810
2024	$704.00 (+52.71%)
2023	$461.00 Homeowner's exemption	$7,882	$78,820 Land $5,000 Building $73,820

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	94 (1990–2021)
Claims Outside the SFHA	2 of 94
Most Recent Claim	Jun 2021 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Feb 2019 · 14 claims Severe Storms, Tornadoes & Flooding, May 1991 · 41 claims Severe Storms & Flooding, Feb 1991 · 15 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	Low lower than 66% of the US · lower than 83% of Mississippi
Wildfire Likelihood	0.05% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
4-County Fiber Fiber	1,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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