107 Elm Ct, Madison, MS 39110 Property Records

Madison County property record for 107 Elm Ct, Madison, MS 39110

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,690 sqft · built 2007
Lot Size	0.38 acres (16,570 sqft)
Owner	2 Individual Names on File
Last Sale	$316,849 (May 2021)
Tax Bill	$1,909 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`081F-13-276`

Property Details

APN / Parcel Number

Primary APN	`081F-13-276`
Alternative APNs	`081F-13-276/00.00` `45318`

Interior

Full Baths	5 Baths
Stories	1 Story
Building Area	2,690 sqft Adjusted Area
Gross Area	2,260 sqft
1st Floor Area	2,260 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,570 sqft (0.38 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	45318
Street Address	107 ELM CT
City	MADISON
State	MS
Zip	39110-4746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	B-076 ASHBROOKE PHASE B PART 2 D@194
Legal Range	01E
Legal Township	08N
Legal Section	13
Legal Subdivision	ASHBROOKE PH B PT 2
Legal Phase	B
Jurisdiction	MADISON MS
Township / Civil Division	2
Census Block Group	2
Census Block	2016
Census Tract	30402

Owner

107 Elm Ct is owned and occupied by two individuals who bought it in May 2021.

Source: Madison County records, as of August 12, 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	107 ELM CT, MADISON, MS 39110-4746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jan 18, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 3, 2023	Deed of Trust, Mortgage · FHA Mortgage DHI MORTGAGE COMPANY LTD
May 14, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on File
Deed Sale	May 14, 2021 · Amount on File
Prior Sale	Sep 28, 2015 · Amount on File
Deed Document Number	2021926046
Deed Book / Page	4037 / 281
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Recording Date	Aug 5, 2026
Property Address	107 ELM CT, MADISON, MS 39110-4746
Document Number	0001056799
Book / Page	4714 / 320
Instrument Date	Jul 29, 2026
Instrument	20261056799
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 ELM CT, MADISON, MS 39110-4746
Investor	Possibly a Property Investor

Mortgage

Document Number	0001056799,
Date	Aug 5, 2026
Book Page	4714/320
Instrument	20261056799

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	298 Months
Due	Jun 1, 2051

Interest

Rate	6.43%
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	107 ELM CT, MADISON, MS 39110-4746
Transaction Type	Mortgage
Record Updated	Jan 30, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 ELM CT, MADISON, MS 39110-4746

Mortgage

Document Number	004402/566
Date	Jan 18, 2024
Book Page	4402/566
Instrument	997485

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Jun 1, 2051

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	107 ELM CT, MADISON, MS 39110-4746
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 ELM CT, MADISON, MS 39110-4746

Mortgage

Document Number	004327/142
Date	May 3, 2023
Book Page	4327/142
Instrument	981450

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company
Address	DALLAS, TX 75201

Agreement

Type	FHA Mortgage
Amount	Amount on Record

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	May 14, 2021
Property Address	107 ELM CT, MADISON, MS 39110-4746
Document Number	4037/281
Book / Page	4037 / 281
Map Reference	CAB D SL 194B
Instrument Date	Feb 5, 2021
Instrument	926046
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	LUCKETT LAND TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 APPLE RIDGE RD, 40, DANBURY, CT 06810-7301

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	107 ELM CT, MADISON, MS 39110-4746

Mortgage

Document Number	926047
Date	May 14, 2021
Instrument	926047

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 107 Elm Ct was $1,909 with a homeowner's exemption.

Source: Madison County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,909.00 Homeowner's exemption	$26,097	$260,970 Land $45,000 Building $215,970
2024	$1,909.00
2023	$1,909.00 Homeowner's exemption	$26,097	$260,970 Land $45,000 Building $215,970

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

FEMA maps place 107 Elm Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · 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

Wildfire risk around 107 Elm Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 83% of Mississippi
Wildfire Likelihood	0.02% 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	BEAR CREEK W/A-WEST public/private · serves 26,677 people · EPA ID MS0450021
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 333 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 · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
NETSPEEDMS Fixed Wireless	499 / 285
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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