Madison County property record for 103 Elm St, Madison, MS 39110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,168 sqft · built 1987 |
| Lot Size | 0.437 acres (19,041 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $258,560 (Sep 2026) |
| Tax Bill | $1,720 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072E-21A-001/01.10 |
| Primary APN | 072E-21A-001/01.10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,168 sqft Adjusted Area |
| Gross Area | 1,862 sqft |
| 1st Floor Area | 1,862 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 19,041 sqft (0.437 acres) |
| Patio Area | 133 sqft |
| Cooling System | Central |
|---|
| Account Number | 14385 |
|---|---|
| Street Address | 103 ELM ST |
| City | MADISON |
| State | MS |
| Zip | 39110-9126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 SANDALWOOD PART 6 C@1 |
| Legal Range | 02E |
| Legal Township | 07N |
| Legal Section | 21 |
| Legal Subdivision | SANDALWOOD PT 6 |
| Legal Lot Number | 15 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 3 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 30110 |
103 Elm St is owned and occupied by two individuals who bought it in September 2026.
Source: Madison County records, as of September 29, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 ELM ST, MADISON, MS 39110-9126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage STONE BANK |
| Sep 6, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST COMMERCIAL BANK |
| Jan 7, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST COMMERCIAL BANK |
| Apr 29, 2020 | Deed of Trust, Mortgage RENASANT BK |
| Sep 4, 2018 | Warranty Deed, Transfer RENASANT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2026 · Amount on File |
| Deed Sale | Sep 16, 2026 · Amount on File |
| Prior Sale | Dec 28, 2010 · Amount on File |
| Deed Document Number | 20261059426 |
| Deed Book / Page | 4730 / 379 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Sep 16, 2026 |
| Property Address | 103 ELM ST, MADISON, MS 39110-9126 |
| Document Number | 0001059426 |
| Book / Page | 4730 / 379 |
| Instrument Date | Sep 14, 2026 |
| Instrument | 20261059426 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 ELM ST, MADISON, MS 39110-9126 |
| Document Number | 0001059426, |
|---|---|
| Date | Sep 16, 2026 |
| Book Page | 4730/383 |
| Instrument | 20261059426 |
| Name | STONE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 103 ELM ST, MADISON, MS 39110-9126 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 103 ELM ST, MADISON, MS 39110-9126 |
| Document Number | 004367/654 |
|---|---|
| Date | Sep 6, 2023 |
| Book Page | 4367/654 |
| Instrument | 988976 |
| Name | FIRST COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 103 ELM ST, MADISON, MS 39110-9126 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 103 ELM ST, MADISON, MS 39110-9126 |
| Document Number | 004155/606 |
|---|---|
| Date | Jan 7, 2022 |
| Book Page | 4155/606 |
| Instrument | 947861 |
| Name | FIRST COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Dec 16, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 103 ELM ST, MADISON, MS 39110-9126 |
| Document Number | 0000890378 |
| Instrument Date | Apr 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 103 ELM ST JACKSON MS 39210, JACKSON, MS 39210 |
| Document Number | 0000890378 |
|---|---|
| Date | May 4, 2020 |
| Book Page | 003848/000698 |
| Instrument | 890378 |
| Name | RENASANT BK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35203 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 3, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Sep 4, 2018 |
| Property Address | 103 ELM ST, MADISON, MS 39110-9126 |
| Document Number | 0000847099 |
| Book / Page | 003643 / 000860 |
| Instrument Date | Aug 29, 2018 |
| Instrument | 847099 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 ELM ST MADISON MS 391109126, MADISON, MS 39110-9126 |
| Document Number | 847100 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 003643/000862 |
| Instrument | 847100 |
| Name | RENASANT BK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35203 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 3, 2048 |
The 2025 property tax bill for 103 Elm St was $1,720 with a homeowner's exemption, up 0.5% from the year before.
Source: Madison County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Municipality | Madison City |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,720.00 (+0.47%) Homeowner's exemption | $17,339 | $173,390 Land $55,000 Building $118,390 |
| 2024 | $1,712.00 | ||
| 2023 | $1,712.00 Homeowner's exemption | $17,268 | $172,680 Land $55,000 Building $117,680 |
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.
FEMA maps place 103 Elm St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 2 (2024–2025) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
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 risk around 103 Elm St is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BEAR CREEK W/A -EAST public/private · serves 18,770 people · EPA ID MS0450002 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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