807 Spruce St, Columbus, MS 39702 Property Records

Lowndes County property record for 807 Spruce St, Columbus, MS 39702

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,965 sqft · built 1965
Lot Size	0.396 acres (17,271 sqft)
Owner	Individual Name on Record
Last Sale	$113,000 (Aug 2018)
Tax Bill	$890 (2025)
Deeds & Mortgages	May 2026 Line of Credit Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`62W050504900`

Property Details

APN / Parcel Number

Primary APN	`62W050504900`
Alternative APNs	`018250` `18250`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,965 sqft Adjusted Area
1st Floor Area	1,700 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,271 sqft (0.396 acres)
Lot Dimensions	171 ft deep x 101 ft wide
Utility Building	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	807 SPRUCE ST
City	COLUMBUS
State	MS
Zip	39702-5427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	807 SPRUCE ST LOT 74 8A
Legal Range	18W
Legal Township	18S
Legal Section	13
Legal Subdivision	CHILCUTT 2ND EXT
Legal Lot Number	74
Jurisdiction	LOWNDES MS
Township / Civil Division	1
Census Block Group	2
Census Block	2001
Census Tract	500

Owner

Source: Lowndes County records, as of June 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	807 SPRUCE ST, COLUMBUS, MS 39702-5427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Aug 10, 2018	Deed of Trust, Mortgage CADENCE BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2018 · Amount on Record
Deed Sale	Aug 13, 2018 · Amount on Record
Prior Sale	Apr 25, 2007 · Amount on Record
Deed Book / Page	2018 / 5838
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Recording Date	May 29, 2026
Property Address	807 SPRUCE ST, COLUMBUS, MS 39702-5427
Document Number	2026012209
Book / Page	2026 / 12209
Instrument Date	May 19, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	807 SPRUCE ST, COLUMBUS, MS 39702-5427

Mortgage

Document Number	2026012209,
Date	May 29, 2026
Book Page	2026/12209

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.23%
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	807 SPRUCE ST, COLUMBUS, MS 39702-5427
Document Number	0020186963
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Sep 4, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	952 MT ZION RD BROOKSVILLE MS 397398985, BROOKSVILLE, MS 39739-8985

Mortgage

Document Number	0020186963
Date	Aug 13, 2018
Book Page	002018/016963

Lender

Name	CADENCE BK NA
Address	BIRMINGHAM, AL 35243

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2048

Tax Assessment & Valuation

Source: Lowndes County assessment roll, as of October 23, 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	$890.00 (+1.6%) Homeowner's exemption	$7,253 (+17.51%)	$72,530 (+17.51%) Land $10,400 Building $62,130
2024	$876.00 (+15.72%)
2023	$757.00 Homeowner's exemption	$6,172	$61,720 Land $10,400 Building $51,320

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
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

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.

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 353 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

May also be available: 4-County Fiber.

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