Madison County property record for 109 Westerly Pl, Madison, MS 39110
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 2,601 sqft · built 2015 |
| Lot Size | 0.242 acres (10,559 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $414,960 (May 2026) |
| Tax Bill | $2,323 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081F-24-546 |
| Primary APN | 081F-24-546 |
|---|---|
| Alternative APN |
|
| Full Baths | 5 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,601 sqft Adjusted Area |
| Gross Area | 2,189 sqft |
| 1st Floor Area | 2,189 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,559 sqft (0.242 acres) |
| Patio Area | 102 sqft |
| Account Number | 54410 |
|---|---|
| Street Address | 109 WESTERLY PL |
| City | MADISON |
| State | MS |
| Zip | 39110-4013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 74 FIELDSTONE PART 4 |
| Legal Range | 01E |
| Legal Township | 08N |
| Legal Section | 24 |
| Legal Subdivision | FIELDSTONE PT 4 |
| Legal Lot Number | 74 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30402 |
Source: Madison County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 109 WESTERLY PL, MADISON, MS 39110-4013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · Line of Credit STORY BANK |
| May 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage RESIDENCE MORTGAGE CORPORATION |
| Nov 20, 2020 | Deed of Trust, Mortgage ANGEL OAK HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on Record |
| Deed Sale | May 11, 2026 · Amount on Record |
| Prior Sale | Jul 6, 2015 · Amount on Record |
| Deed Document Number | 20261051570 |
| Deed Book / Page | 4680 / 869 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 109 WESTERLY PL, MADISON, MS 39110-4013 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 109 WESTERLY PL, MADISON, MS 39110-4013 |
| Document Number | 004655/667 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 4655/667 |
| Instrument | 1047245 |
| Name | STORY BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 16, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | May 11, 2026 |
| Property Address | 109 WESTERLY PL, MADISON, MS 39110-4013 |
| Document Number | 0001051570 |
| Book / Page | 4680 / 869 |
| Instrument Date | May 11, 2026 |
| Instrument | 2026.1051570 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 109 WESTERLY PL, MADISON, MS 39110-4013 |
| Investor | Possibly a Property Investor |
| Document Number | 0001051570, |
|---|---|
| Date | May 11, 2026 |
| Book Page | 4680/872 |
| Instrument | 2026.1051570 |
| Name | RESIDENCE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 109 WESTERLY PL, MADISON, MS 39110-4013 |
| Document Number | 0000911836 |
| Instrument Date | Nov 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 WESTERLY PL MADISON MS 391104013, MADISON, MS 39110-4013 |
| Document Number | 0000911836 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 003951/000807 |
| Instrument | 911836 |
| Name | ANGEL OAK HM LOANS |
|---|---|
| Address | ATLANTA, GA 30328 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 29, 2050 |
Source: Madison County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,323.00 Homeowner's exemption | $25,549 (+0.85%) | $255,490 (+0.85%) Land $45,000 Building $210,490 |
| 2024 | $2,323.00 (+0.96%) | ||
| 2023 | $2,301.00 Homeowner's exemption | $25,333 | $253,330 Land $45,000 Building $208,330 |
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.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 90% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.03% 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.
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 144 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 | 335 / 192 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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