10432 Hwy 492 E, Union, MS 39365 Property Records

Neshoba County property record for 10432 Hwy 492 E, Union, MS 39365

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,471 sqft · built 1995
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on File
Last Sale	$109,500 (Jul 2018)
Tax Bill	$668 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Oct 2011 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`13500-32-016.002`

Property Details

APN / Parcel Number

Primary APN	`13500-32-016.002`
Alternative APN	`20342`

Interior

Full Baths	2 Baths
Building Area	1,471 sqft Living Area
1st Floor Area	924 sqft
2nd Floor Area	257 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	20342
Street Address	10432 HIGHWAY 492 E
City	UNION
State	MS
Zip	39365-9443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A LOT N NE1/4 SE1/4 S OF HWY
Legal Range	12E
Legal Township	09N
Legal Section	32
Legal Subdivision	NWNE4SE4S32T9NR12E
Legal Lot Number	N
Jurisdiction	NESHOBA MS
Township / Civil Division	3
Census Block Group	3
Census Block	3053
Census Tract	10600

Owner

Source: Neshoba County assessment roll, as of October 16, 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 File
Mailing Address	10080 HIGHWAY 492 E, UNION, MS 39365-9432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2018	Deed of Trust, Mortgage · VA Mortgage FIRSTBANK
Oct 18, 2011	Deed of Trust, Mortgage TRUSTMARK NATIONAL BANK
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK OF MISSISSIPPI
Feb 28, 2014	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER, LLC D/B/A VETE
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK OF MISSISSIPPI
Jan 11, 2022	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK OF MISSISSIPPI
Jul 17, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 17, 2018 · Amount on Record
Deed Sale	Jul 17, 2018 · Amount on Record
Prior Sale	Oct 18, 2011 · Amount on Record
Deed Book / Page	2018 / 3599
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10432 HIGHWAY 492 E, UNION, MS 39365-9443
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02018/5572
Date	Jul 17, 2018
Book Page	2018/5572

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10432 HIGHWAY 492 E, UNION, MS 39365-9443
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02011/7112
Date	Oct 18, 2011
Book Page	2011/7112

Lender

Name	TRUSTMARK NATIONAL BANK
Address	PO BOX 22869, JACKSON, MS 39225

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2041

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10432 HIGHWAY 492 E, UNION, MS 39365-9443
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/285
Date	Jan 11, 2022
Book Page	2022/285
Instrument	2022-285

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Feb 10, 2027

Interest

Rate Type	Fixed Rate

February 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10432 HIGHWAY 492 E, UNION, MS 39365-9443
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9482 EASTSIDE DRIVE EXT, NEWTON, MS 39345-9526

Mortgage

Document Number	02014/1583
Date	Feb 28, 2014
Book Page	2014/1583

Lender

Name	MORTGAGE RESEARCH CENTER, LLC D/B/A VETE
Type	Seller
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2044

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10432 HIGHWAY 492 E, UNION, MS 39365-9443
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/285
Date	Jan 11, 2022
Book Page	2022/285
Instrument	2022-285

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Feb 10, 2027

Interest

Rate Type	Fixed Rate

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NESHOBA MS
Recording Date	Jan 11, 2022
Property Address	10432 HIGHWAY 492 E, UNION, MS 39365-9443
Document Number	002022/109
Book / Page	2022 / 109
Instrument Date	Dec 21, 2021
Instrument	2022-109
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	PINE BELT LAND TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	815 WOODLAND HILLS DR, PHILADELPHIA, MS 39350-3367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10080 HIGHWAY 492 E, UNION, MS 39365-9432

Mortgage

Document Number	0002022285
Date	Jan 11, 2022
Instrument	2022/285

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Feb 10, 2027

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NESHOBA MS
Recording Date	Jul 17, 2018
Property Address	10432 HIGHWAY 492 E, UNION, MS 39365-9443
Document Number	02018/3599
Book / Page	2018 / 3599
Instrument Date	Jul 9, 2018
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10432 HIGHWAY 492 E, UNION, MS 39365-9443

Tax Assessment & Valuation

Source: Neshoba County assessment roll, as of October 16, 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	$668.00 (-2.62%) Homeowner's exemption	$9,209 (-27.1%)	$92,090 (+9.36%) Land $6,780 Building $85,310
2024	$686.00 (-50.93%)
2023	$1,398.00 (+120.5%)	$12,632	$84,210 Land $6,780 Building $77,430
2021	$634.00

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 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 42% of the US · lower than 62% of Mississippi
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	CITY OF UNION serves 3,432 people · EPA ID MS0510011
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	Sanitary survey deficiency not corrected currently in violation since Aug 2019
Monitoring and Reporting	4 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)
Buckeye Cablesystem Cable	1,000 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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