10201 Rd 321, Union, MS 39365 Property Records

Neshoba County property record for 10201 Rd 321, Union, MS 39365

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,347 sqft · built 1971
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Tax Bill	$1,873 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Feb 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12400-25-013.000`

Property Details

APN / Parcel Number

Primary APN	`12400-25-013.000`
Alternative APN	`14637`

Interior

Full Baths	3 Baths
Building Area	3,347 sqft Living Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Carport
Carport	Carport
Carport Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	14637
Street Address	10201 ROAD 321
City	UNION
State	MS
Zip	39365-9294
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW 1/4 NE 1/4 SW 1/4 W OF HWY
Jurisdiction	NESHOBA MS
Township / Civil Division	4
Census Block Group	3
Census Block	3028
Census Tract	10600

Owner

Source: Neshoba County records, as of February 2, 2026

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
Co-owner	Co-owner on Record
Mailing Address	10201 ROAD 321, UNION, MS 39365-9294
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Line of Credit PENNYMAC LOAN SERVICES LLC
Feb 25, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 27, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 21, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES
May 21, 2025	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2025
Deed Sale	May 21, 2025
Deed Document Number	2025-2988
Deed Book / Page	2025 / 2988
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10201 ROAD 321, UNION, MS 39365-9294
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02026/1049
Date	Feb 25, 2026
Book Page	2026/1049
Instrument	2026-1049

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10201 ROAD 321, UNION, MS 39365-9294
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02026/1069
Date	Feb 25, 2026
Book Page	2026/1069
Instrument	2026-1069

Lender

Name	FIGURE LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10201 ROAD 321, UNION, MS 39365-9294
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/7835
Date	Oct 27, 2025
Book Page	2025/7835
Instrument	2025-7835

Lender

Name	FIGURE LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2055

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10201 ROAD 321, UNION, MS 39365-9294
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/3860
Date	May 21, 2025
Book Page	2025/3860
Instrument	2025-3860

Lender

Name	AMERICAN FINANCIAL RESOURCES
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NESHOBA MS
Recording Date	May 21, 2025
Property Address	10201 ROAD 321, UNION, MS 39365-9294
Document Number	02025/2988
Book / Page	2025 / 2988
Map Reference	MB 2020 PG 3598
Instrument Date	May 13, 2025
Instrument	2025-2988
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10231 ROAD 321, UNION, MS 39365-9294

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10201 ROAD 321, UNION, MS 39365-9294

Mortgage

Document Number	0020253860
Date	May 21, 2025
Instrument	2025/3860

Lender

Name	AMERICAN FINANCIAL RESOURCES
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Neshoba County
Unified School District	Union Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,873.00 (-0.9%) Homeowner's exemption	$18,119 (+2.68%)	$181,190 (+2.68%) Land $6,400 Building $174,790
2024	$1,890.00 (+0.64%)
2023	$1,878.00 (-1.52%) Homeowner's exemption	$17,646	$176,460 Land $6,400 Building $170,060
2021	$1,907.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 70% of Mississippi
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SOUTH CENTRAL WATER ASSN public/private · serves 12,260 people · EPA ID MS0250022
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2021 Total trihalomethanes resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Buckeye Cablesystem.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Rd 321

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