816 Spruce St, Columbus, MS 39702 Property Records

Lowndes County property record for 816 Spruce St, Columbus, MS 39702

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,654 sqft · built 1965
Lot Size	0.238 acres (10,400 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Aug 2018)
Tax Bill	$743 (2025)
Deeds & Mortgages	Mar 2022 Refinance Jan 2020 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`62W050600300`

Property Details

APN / Parcel Number

Primary APN	`62W050600300`
Alternative APNs	`018257` `18257`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,654 sqft Adjusted Area
1st Floor Area	1,485 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	Asphalt
Lot Area	10,400 sqft (0.238 acres)
Lot Dimensions	130 ft deep x 80 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	018257
Street Address	816 SPRUCE ST
City	COLUMBUS
State	MS
Zip	39702-5428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	816 SPRUCE ST LOT 89 11A
Legal Range	18W
Legal Township	18S
Legal Section	13
Legal Subdivision	CHILCUTT 2ND EXT
Legal Lot Number	89
Jurisdiction	LOWNDES MS
Township / Civil Division	1
Census Block Group	2
Census Block	2004
Census Tract	500

Owner

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	816 SPRUCE ST, COLUMBUS, MS 39702-5428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance VILLAGE CAPITAL & INVESTMENT LLC
Jan 8, 2020	Deed of Trust, Mortgage · Reverse Mortgage VILLAGE CAPITAL & INVESTMENT LLC
May 26, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 31, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2018 · Amount on Record
Deed Sale	Aug 31, 2018 · Amount on Record
Deed Document Number	0020186399
Deed Book / Page	2018 / 6399
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	816 SPRUCE ST, COLUMBUS, MS 39702-5428
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020225092
Date	Mar 2, 2022
Book Page	2022/5092

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	816 SPRUCE ST, COLUMBUS, MS 39702-5428
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020200223
Date	Jan 8, 2020
Book Page	2020/223

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWNDES MS
Property Address	816 SPRUCE ST, COLUMBUS, MS 39702-5428
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00202116665
Date	May 26, 2021
Book Page	2021/16665

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jun 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWNDES MS
Recording Date	Aug 31, 2018
Property Address	816 SPRUCE ST, COLUMBUS, MS 39702-5428
Document Number	0020186399
Book / Page	2018 / 6399
Instrument Date	Jul 12, 2018
Transaction Type	Transfer
Record Updated	Feb 24, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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	$743.00 (+1.64%) Homeowner's exemption	$6,056 (+18.37%)	$60,560 (+18.37%) Land $7,600 Building $52,960
2024	$731.00 (+16.77%)
2023	$626.00 Homeowner's exemption	$5,116	$51,160 Land $7,600 Building $43,560

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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