10920 Rd 248, Union, MS 39365 Property Records

Neshoba County property record for 10920 Rd 248, Union, MS 39365

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,040 sqft · built 2003
Lot Size	12.5 acres (544,500 sqft)
Owner	Individual Name on File
Last Sale	$308,800 (Mar 2021)
Tax Bill	$2,770 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11800-01-011.001`

Property Details

APN / Parcel Number

Primary APN	`11800-01-011.001`
Alternative APN	`14060`

Interior

Full Baths	3 Baths
Building Area	3,040 sqft Living Area
1st Floor Area	2,100 sqft
2nd Floor Area	630 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	544,500 sqft (12.5 acres)
Utility Building	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	14060
Street Address	10920 ROAD 248
City	UNION
State	MS
Zip	39365-7522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW 1/4 OF SW 1/4
Legal Range	11E
Legal Township	09N
Legal Section	01
Legal Subdivision	SW4SW4S1T9NR11E
Jurisdiction	NESHOBA MS
Township / Civil Division	4
Census Block Group	3
Census Block	3013
Census Tract	10600

Owner

10920 Rd 248 is owned and occupied by an individual who bought it in March 2021.

Source: Neshoba County records, as of December 16, 2025

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	Individual Name on File
Mailing Address	10920 ROAD 248, UNION, MS 39365-7522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage THE CITIZENS BANK OF PHILADELPHIA
Apr 4, 2019	Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC
Mar 17, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2021 · Amount on File
Deed Sale	Mar 17, 2021 · Amount on File
Prior Sale	Mar 2, 2012 · Amount on File
Deed Document Number	20211486
Deed Book / Page	2021 / 1486
Prior Transfer Date	Nov 3, 2011
Prior Transfer Doc	02011/3451
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10920 ROAD 248, UNION, MS 39365-7522
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2106
Date	Mar 17, 2021
Book Page	2021/2106

Lender

Name	THE CITIZENS BANK OF PHILADELPHIA
Type	Bank
Address	PHILADELPHIA, MS 39350

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	10920 ROAD 248, UNION, MS 39365-7522
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3049
Date	Apr 4, 2019
Book Page	2019/3049

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NESHOBA MS
Recording Date	Mar 17, 2021
Property Address	10920 ROAD 248, UNION, MS 39365-7522
Document Number	02021/1486
Book / Page	2021 / 1486
Instrument Date	Mar 17, 2021
Instrument	2021-1486
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10920 ROAD 248, 10920, UNION, MS 39365-7522

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10920 ROAD 248, UNION, MS 39365-7522

Tax Assessment & Valuation

The 2025 property tax bill for 10920 Rd 248 was $2,770 with a homeowner's exemption, down 2.1% from the year before.

Source: Neshoba County assessment roll, as of October 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,770.00 (-2.09%) Homeowner's exemption	$29,187	$290,860 Land $10,810 Building $280,050
2024	$2,829.00 (+20.28%)
2023	$2,352.00 Homeowner's exemption	$23,953	$238,570 Land $10,700 Building $227,870
2021	$2,361.00

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 10920 Rd 248 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 4, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 10920 Rd 248 is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 62% of Mississippi
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	SOUTH CENTRAL WATER ASSN public/private · serves 12,260 people · EPA ID MS0250022
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2021 Total trihalomethanes resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
C Spire Wireless Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Rd 248

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