Madison County property record for 109 Cove Ln, Madison, MS 39110
| Property Type | Single Family Home |
|---|---|
| Details | 9,475 sqft · built 2009 |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,292 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081A-01-001/01.07 |
| Primary APN | 081A-01-001/01.07 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 9,475 sqft Adjusted Area |
| 1st Floor Area | 6,168 sqft |
| 2nd Floor Area | 1,636 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Deck Area | 316 sqft |
| Patio Area | 708 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|
| Account Number | 19744 |
|---|---|
| Old Parcel Number | 081A-01 -001/01.07 |
| Street Address | 109 COVE LN |
| City | MADISON |
| State | MS |
| Zip | 39110-7913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 209 BELLEVUE FARMS OF LAKE CAROLINE |
| Legal Range | 01E |
| Legal Township | 08N |
| Legal Section | 01 |
| Legal Subdivision | BELLEVUE FARMS LK CAROLINE |
| Legal Lot Number | 209 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 30402 |
109 Cove Ln is owned and occupied by two individuals who acquired it in May 2018.
Source: Madison County records, as of December 1, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 COVE LN, MADISON, MS 39110-7913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 19, 2021 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| May 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK |
| May 24, 2018 | Warranty Deed, Transfer BANCORPSOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2018 |
| Deed Sale | May 24, 2018 |
| Prior Sale | Dec 18, 2009 |
| Deed Document Number | 0003604189 |
| Deed Book / Page | 3604 / 189 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 109 COVE LN, MADISON, MS 39110-7913 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 109 COVE LN, MADISON, MS 39110-7913 |
| Document Number | 4119/619 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 4119/619 |
| Instrument | 942100 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | BRANDON, MS 39042 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 26, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 109 COVE LN, MADISON, MS 39110-7913 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 109 COVE LN, MADISON, MS 39110-7913 |
| Document Number | 4038/652 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 4038/652 |
| Instrument | 926261 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.15% |
| Type Change Date | Jun 1, 2026 |
| Min Rate At Change | 3.11% |
| Max Rate At Change | 5.11% |
| Index | Other |
| Max Rate | 10.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | May 24, 2018 |
| Property Address | 109 COVE LN, MADISON, MS 39110-7913 |
| Document Number | 0000839474 |
| Book / Page | 003604 / 000189 |
| Instrument Date | May 24, 2018 |
| Instrument | 839474 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 COVE LN MADISON MS 391107913, MADISON, MS 39110-7913 |
| Document Number | 839475 |
|---|---|
| Date | May 24, 2018 |
| Book Page | 003604/000192 |
| Instrument | 839475 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803-3356 |
| Amount | Amount on Record |
|---|---|
| Term | 300 Months |
| Due | May 23, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
The 2025 property tax bill for 109 Cove Ln was $10,292 with a homeowner's exemption.
Source: Madison County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Unified School District | Canton Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,292.00 Homeowner's exemption | $100,035 | $1,000,350 Land $125,000 Building $875,350 |
| 2024 | $10,292.00 (+0.73%) | ||
| 2023 | $10,217.00 Homeowner's exemption | $100,035 | $1,000,350 Land $125,000 Building $875,350 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Cove Ln in Zone X, an area of minimal flood risk.
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 12 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 12 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 risk around 109 Cove Ln is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 81% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.05% 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 | CITY OF CANTON serves 16,785 people · EPA ID MS0450006 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2022 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 58 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 |
| NETSPEEDMS Fixed Wireless | 499 / 285 |
| Verizon Fixed Wireless | 300 / 20 |
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