105 Cotton Patch Dr, New Albany, MS 38652 Property Records

Union County property record for 105 Cotton Patch Dr, New Albany, MS 38652

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,034 sqft · built 2006
Lot Size	0.994 acres (43,319 sqft)
Owner	2 Individual Names on File
Last Sale	$257,400 (Nov 2019)
Tax Bill	$1,679 (2025)
Deeds & Mortgages	May 2022 Line of Credit May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045N-09-095.09`

Property Details

APN / Parcel Number

Primary APN	`045N-09-095.09`
Alternative APN	`20143`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,034 sqft Living Area
1st Floor Area	1,875 sqft
2nd Floor Area	159 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,319 sqft (0.994 acres)
Lot Width	2 ft Width
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Loading Dock	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	105 COTTON PATCH DR
City	NEW ALBANY
State	MS
Zip	38652-6029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUSH SUB LOTS 8 & 9
Legal Range	03E
Legal Township	07S
Legal Section	09
Legal Subdivision	BUSH SUB
Legal Lot Number	8-9
Jurisdiction	UNION MS
Township / Civil Division	5
Census Block Group	1
Census Block	1013
Census Tract	950400

Owner

Source: Union County assessment roll, as of October 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	105 COTTON PATCH DR, NEW ALBANY, MS 38652-6029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
May 15, 2023	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA
Nov 5, 2019	Warranty Deed, Transfer GUM TREE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 5, 2019 · Amount on Record
Deed Sale	Nov 5, 2019 · Amount on Record
Prior Sale	Apr 2, 2014
Deed Document Number	20193874
Prior Transfer Date	Oct 24, 2019
Prior Transfer Doc	2019003874
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION MS
Property Address	105 COTTON PATCH DR, NEW ALBANY, MS 38652-6029
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 COTTON PATCH DR, NEW ALBANY, MS 38652-6029

Mortgage

Document Number	2022002169
Date	May 26, 2022
Instrument	2022002169

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jun 25, 2032

Interest

Rate Type	Adjustable Rate

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION MS
Recording Date	May 15, 2023
Property Address	105 COTTON PATCH DR, NEW ALBANY, MS 38652-6029
Document Number	2023002212
Instrument Date	May 12, 2023
Instrument	2023002212
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	105 COTTON PATCH DR, NEW ALBANY, MS 38652-6029

Mortgage

Document Number	2023002213
Date	May 15, 2023
Instrument	2023002213

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 5, 2053

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION MS
Recording Date	Nov 5, 2019
Property Address	105 COTTON PATCH DR, NEW ALBANY, MS 38652-6029
Document Number	2019003874
Instrument Date	Oct 24, 2019
Instrument	2019003874
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	105 COTTON PATCH DR, NEW ALBANY, MS 38652-6029
Investor	Possibly a Property Investor

Mortgage

Document Number	2019003877
Date	Nov 5, 2019
Instrument	2019003877

Lender

Name	GUM TREE MORTGAGE LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2039

Tax Assessment & Valuation

Source: Union County assessment roll, as of October 30, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Union County
Municipality	New Albany City
Unified School District	New Albany Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,679.00 (+2.75%) Homeowner's exemption Senior Citizen's exemption	$18,918 (-)	$189,180 (-) Land $15,400 Building $173,780
2024	$1,634.00 (-32.37%)
2023	$2,416.00 (+26.1%) Homeowner's exemption	$18,918 (+22.96%)	$189,180 (+22.96%) Land $15,400 Building $173,780
2022	$1,916.00 Homeowner's exemption	$15,385	$153,850 Land $14,000 Building $139,850

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 March 11, 2014 · 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

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 62% of the US · lower than 77% of Mississippi
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BCI Mississippi Broadband Fiber · Cable in parts of the area	10,000 / 10,000
Alcorn County Electric Power Association Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Telapex Fixed Wireless	100 / 20

May also be available: Verizon.

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