109 Elm Ct, Madison, MS 39110 Property Records

Madison County property record for 109 Elm Ct, Madison, MS 39110

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,126 sqft · built 2006
Lot Size	0.34 acres (14,812 sqft)
Owner	Individual Name on File
Last Sale	$372,400 (Aug 2024)
Tax Bill	$4,426 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`081F-13-275`

Property Details

APN / Parcel Number

Primary APN	`081F-13-275`
Alternative APNs	`081F-13-275/00.00` `45317`

Interior

Full Baths	5 Baths
Stories	1 Story
Building Area	3,126 sqft Adjusted Area
Gross Area	2,642 sqft
1st Floor Area	2,642 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,812 sqft (0.34 acres)
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	45317
Street Address	109 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-075 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

109 Elm Ct is owned and occupied by an individual who bought it in August 2024.

Source: Madison County records, as of March 23, 2026

Owner of Record	Individual Name on File
Mailing Address	109 ELM CT, MADISON, MS 39110-4746
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.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Warranty Deed, Transfer · Conventional Mortgage ARSTA MORTGAGE SERVICES INC
Mar 7, 2019	Deed of Trust, Mortgage · FHA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2024 · Amount on File
Deed Sale	Aug 28, 2024 · Amount on File
Prior Sale	May 3, 2021 · Amount on File
Deed Document Number	20241010116
Deed Book / Page	4473 / 641
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	May 3, 2021
Property Address	109 ELM CT, MADISON, MS 39110-4746
Document Number	4032/380
Book / Page	4032 / 380
Map Reference	CAB D SL 194B
Instrument Date	Apr 30, 2021
Instrument	925270
Transaction Type	Transfer
Record Updated	Sep 27, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 GRAYHAWK DR, 217, MADISON, MS 39110-4010

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 ELM CT, MADISON, MS 39110-4746

Mortgage

Document Number	925271
Date	May 3, 2021
Instrument	925271

Lender

Name	ARSTA MORTGAGE SERVICES INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	109 ELM CT, MADISON, MS 39110-4746
Document Number	0000860153
Instrument Date	Mar 7, 2019
Transaction Type	Mortgage
Record Updated	Mar 22, 2019
Title Company	BENCHMARK TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 ELM CT MADISON MS 391104746, MADISON, MS 39110-4746

Mortgage

Document Number	0000860153
Date	Mar 13, 2019
Book Page	003699/000536
Instrument	860153

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 109 Elm Ct was $4,426, up 67% from the year before.

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	$4,426.00 (+66.96%)	$43,113	$287,420 Land $45,000 Building $242,420
2024	$2,651.00 (-10.17%)
2023	$2,951.00	$28,742	$287,420 Land $45,000 Building $242,420

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 109 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 109 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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