Madison County property record for 118 Harbor Rd, Madison, MS 39110 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 1,706 sqft · built 1992 |
| Lot Size | 0.225 acres (9,810 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,980 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072A-01C-054/01.30 |
| Primary APN | 072A-01C-054/01.30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,706 sqft Adjusted Area |
| Gross Area | 1,683 sqft |
| 1st Floor Area | 1,683 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,810 sqft (0.225 acres) |
| Garage Type | Carport |
| Garage Area | 400 sqft |
| Carport | Carport |
| Carport Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 144 sqft |
| Gazebo | 206 sqft |
| Cooling System | Central |
|---|
| Account Number | 7249 |
|---|---|
| Street Address | 118 HARBOR RD |
| City | MADISON |
| State | MS |
| Zip | 39110-8103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 248 TWIN HARBORS PART III-B LEASEHOLD |
| Legal Range | 02E |
| Legal Township | 07N |
| Legal Section | 01 |
| Legal Subdivision | TWIN HARBORS PT 3B |
| Legal Lot Number | 248 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 30208 |
Source: Madison County records · APN 072A-01C-054/01.30
Assessment roll updated November 7, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 118 HARBOR RD, MADISON, MS 39110-8103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Dec 06, 2022 | Deed of Trust, Mortgage · Line of Credit VERITAS FCU |
| Oct 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Jan 27, 2020 | Deed of Trust, Mortgage ROYAL UNITED MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 118 HARBOR RD, MADISON, MS 39110-8103 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4433 MECHANICSBURG RD, BENTONIA, MS 39040-8152 |
| Document Number | 004283/825 |
|---|---|
| Date | Dec 06, 2022 |
| Book Page | 4283/825 |
| Instrument | 973259 |
| Name | VERITAS FCU |
|---|---|
| Type | Credit Union |
| Address | STAR, MS 39167 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Nov 01, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 118 HARBOR RD, MADISON, MS 39110-8103 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|
| Document Number | 004124/630 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 4124/630 |
| Instrument | 942933 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 118 HARBOR RD, MADISON, MS 39110-8103 |
| Document Number | 0000884119 |
| Instrument Date | Jan 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 4433 MECHANICSBURG RD BENTONIA MS 390408152, BENTONIA, MS 39040-8152 |
| Document Number | 0000884119 |
|---|---|
| Date | Jan 28, 2020 |
| Book Page | 003811/000720 |
| Instrument | 884119 |
| Name | ROYAL UNITED MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 27, 2050 |
Source: Madison County records · Assessment roll updated November 7, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,980.00 | $19,286 (-) | $128,570 (-) Land $30,000 Building $98,570 |
| 2024 | $1,980.00 | ||
| 2023 | $1,980.00 | $19,286 | $128,570 Land $30,000 Building $98,570 |
Source: FEMA National Flood Hazard Layer, Madison County (28089C), updated January 17, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 36% of the US · above 19% of Mississippi |
|---|---|
| Wildfire Likelihood | About 1 in 1,923 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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