Madison County property record for 109 Laird Ave, Madison, MS 39110
| Property Type | Single Family Home |
|---|---|
| Details | 3,850 sqft · built 2004 |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,592 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Aug 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081H-27-178 |
| Primary APN | 081H-27-178 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,850 sqft Adjusted Area |
| 1st Floor Area | 3,244 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Patio Area | 390 sqft |
| Cooling System | Central |
|---|
| Account Number | 41111 |
|---|---|
| Old Parcel Number | 081H-27 -178/00.00 |
| Street Address | 109 LAIRD AVE |
| City | MADISON |
| State | MS |
| Zip | 39110-7670 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-1 |
| Legal Description | I-38 GREENBRIER - BLK I @ REUNION D@122 |
| Legal Range | 01E |
| Legal Township | 08N |
| Legal Section | 27 |
| Legal Subdivision | GREENBRIER BL I REUNION |
| Legal Block | 1 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3033 |
| Census Tract | 30301 |
109 Laird Ave is owned and occupied by two individuals who acquired it in February 2015.
Source: Madison County records, as of December 1, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 LAIRD AVE, MADISON, MS 39110-7670 |
| 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 |
|---|---|
| Sep 12, 2022 | Deed of Trust, Mortgage · Line of Credit BANKPLUS |
| Aug 31, 2022 | Deed of Trust, Mortgage · Line of Credit BANKPLUS |
| Mar 10, 2022 | Deed of Trust, Mortgage · Line of Credit BANKPLUS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 2, 2015 |
| Deed Sale | Feb 2, 2015 |
| Prior Sale | Apr 11, 2005 |
| Deed Document Number | 0000316917 |
| Deed Book / Page | 3169 / 17 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 109 LAIRD AVE, MADISON, MS 39110-7670 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 LAIRD AVE, MADISON, MS 39110-7670 |
| Document Number | 004257/726 |
|---|---|
| Date | Sep 12, 2022 |
| Book Page | 4257/726 |
| Instrument | 965574 |
| Name | BANKPLUS |
|---|---|
| Type | Bank |
| Address | RIDGELAND, MS 39157 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 79 Months |
| Due | Apr 5, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 109 LAIRD AVE, MADISON, MS 39110-7670 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 LAIRD AVE, MADISON, MS 39110-7670 |
| Document Number | 004253/497 |
|---|---|
| Date | Aug 31, 2022 |
| Book Page | 4253/497 |
| Instrument | 964871 |
| Name | BANKPLUS |
|---|---|
| Type | Bank |
| Address | RIDGELAND, MS 39157 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 80 Months |
| Due | Apr 5, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 109 LAIRD AVE, MADISON, MS 39110-7670 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 LAIRD AVE, MADISON, MS 39110-7670 |
| Document Number | 004180/772 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 4180/772 |
| Instrument | 952287 |
| Name | BANKPLUS |
|---|---|
| Type | Bank |
| Address | RIDGELAND, MS 39157 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 88 Months |
| Due | Jul 5, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 109 Laird Ave was $4,592 with a homeowner's exemption.
Source: Madison County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Municipality | Madison City |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,592.00 Homeowner's exemption | $41,981 | $419,810 Land $75,000 Building $344,810 |
| 2024 | $4,592.00 (-13.41%) | ||
| 2023 | $5,303.00 Homeowner's exemption | $41,958 | $419,580 Land $75,000 Building $344,580 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Laird Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 16 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 Laird Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.1% of Mississippi |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| NETSPEEDMS Fixed Wireless | 335 / 192 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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