11840 Rd 505, Union, MS 39365 Property Records

Neshoba County property record for 11840 Rd 505, Union, MS 39365

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,368 sqft · built 1967
Lot Size	2.9 acres (126,324 sqft)
Owner	Individual Name on File
Tax Bill	$863 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12800-09-022.001`

Property Details

APN / Parcel Number

Primary APN	`12800-09-022.001`
Alternative APN	`22374`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,368 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1967
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	126,324 sqft (2.9 acres)
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	22374
Street Address	11840 ROAD 505
City	UNION
State	MS
Zip	39365-7324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SE 1/4 OF SW 1/4 E OF RD
Jurisdiction	NESHOBA MS
Township / Civil Division	3
Census Block Group	4
Census Block	4028
Census Tract	10600

Owner

11840 Rd 505 is owned and occupied by an individual who acquired it in December 2022.

Source: Neshoba County records, as of January 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11840 ROAD 505, UNION, MS 39365-7324
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
Feb 14, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK
Jul 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK
Dec 6, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2022
Deed Sale	Dec 6, 2022
Deed Document Number	0020225008
Deed Book / Page	2022 / 5008
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	11840 ROAD 505, UNION, MS 39365-7324
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/668
Date	Feb 14, 2023
Book Page	2023/668
Instrument	2023-668

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 10, 2024

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	11840 ROAD 505, UNION, MS 39365-7324
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/5048
Date	Jul 31, 2023
Book Page	2023/5048
Instrument	2023-5048

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2033

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NESHOBA MS
Recording Date	Dec 6, 2022
Property Address	11840 ROAD 505, UNION, MS 39365-7324
Document Number	02022/5008
Book / Page	2022 / 5008
Instrument Date	Dec 5, 2022
Instrument	2022-5008
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11950 RD 505, PHILADELPHIA, MS 39350

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11840 RD 505, PHILADELPHIA, MS 39350

Tax Assessment & Valuation

The 2025 property tax bill for 11840 Rd 505 was $863 with a homeowner's exemption, down 3.6% from the year before.

Source: Neshoba County assessment roll, as of September 1, 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	$863.00 (-3.58%) Homeowner's exemption	$11,058	$102,830 Land $7,600 Building $95,230
2024	$895.00 (+2.64%)
2023	$872.00 Homeowner's exemption	$10,589	$97,410 Land $7,600 Building $89,810

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11840 Rd 505 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 11840 Rd 505 is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 70% of Mississippi
Wildfire Likelihood	0.05% 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 13 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Rd 505

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