805 Spruce St, Columbus, MS 39702 Property Records

Lowndes County property record for 805 Spruce St, Columbus, MS 39702

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,190 sqft · built 1965
Lot Size	0.227 acres (9,900 sqft)
Owner	Company Name on File
Tax Bill	$1,187 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`62W050505000`

Property Details

APN / Parcel Number

Primary APN	`62W050505000`
Alternative APNs	`018251` `18251`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,190 sqft Adjusted Area
1st Floor Area	1,050 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	165 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	018251
Street Address	805 SPRUCE ST
City	COLUMBUS
State	MS
Zip	39702-5427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	805 SPRUCE ST LOT 73 09B
Legal Range	18W
Legal Township	18S
Legal Section	13
Legal Subdivision	CHILCUTT 2ND EXT
Legal Lot Number	73
Jurisdiction	LOWNDES MS
Township / Civil Division	1
Census Block Group	2
Census Block	2001
Census Tract	500

Owner

805 Spruce St is owned by a company that acquired it in May 2025.

Source: Lowndes County records, as of December 15, 2025

Owner of Record	Company Name on File
Mailing Address	224 SUNSET ISLAND TRL, GALLATIN, TN 37066-5675
Owner Type	Company

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
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage S&R PROPERTIES LLC
Sep 20, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS NAT'L BK/MERIDIAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2025
Deed Sale	May 5, 2025
Prior Sale	May 14, 2008
Deed Document Number	0020253415
Deed Book / Page	2025 / 3415
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	805 SPRUCE ST, COLUMBUS, MS 39702-5427
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00202528702
Date	Dec 10, 2025
Book Page	2025/28702

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	805 SPRUCE ST, COLUMBUS, MS 39702-5427
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00202524852
Date	Oct 28, 2025
Book Page	2025/24852
Instrument	2025-24852

Lender

Name	S&R PROPERTIES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	805 SPRUCE ST, COLUMBUS, MS 39702-5427
Document Number	0020171862
Book / Page	002017 / 021862
Instrument Date	Sep 20, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1618 SEMINOLE DR COLUMBUS MS 397051408, COLUMBUS, MS 39705-1408

Mortgage

Document Number	0020171862
Date	Oct 3, 2017
Book Page	002017/021862

Lender

Name	CITIZENS NAT'L BK/MERIDIAN
Type	Bank
Address	COLUMBUS, MS 39705

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 2, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 805 Spruce St was $1,187, up 0.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Lowndes County
Municipality	Columbus City
Unified School District	Columbus Municipal School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,187.00 (+0.51%)	$7,269	$48,460 Land $6,120 Building $42,340
2024	$1,181.00 (+16.93%)
2023	$1,010.00	$6,176	$41,170 Land $6,120 Building $35,050

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

Flood

FEMA maps place 805 Spruce St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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.

Wildfire

Wildfire risk around 805 Spruce St 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 95% of the US · lower than 97.3% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Sparklight Cable	1,000 / 50
C Spire Wireless Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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