11921 Rd 448, Union, MS 39365 Property Records

Neshoba County property record for 11921 Rd 448, Union, MS 39365

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,008 sqft · built 2018
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$1,159 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08800-25-005.005`

Property Details

APN / Parcel Number

Primary APN	`08800-25-005.005`
Alternative APN	`21435`

Interior

Full Baths	2 Baths
Building Area	2,008 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	21435
Street Address	11921 ROAD 448
City	UNION
State	MS
Zip	39365-3955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 5 N OF RD
Legal Lot Number	5
Jurisdiction	NESHOBA MS
Township / Civil Division	3
Census Block Group	4
Census Block	4006
Census Tract	10600

Owner

11921 Rd 448 is owned and occupied by an individual who acquired it in August 2018.

Source: Neshoba County records, as of December 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11921 ROAD 448, UNION, MS 39365-3955
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
Mar 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 14, 2018	Deed of Trust, Mortgage AFFORDABLE LENDING GROUP LLC
Aug 13, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 13, 2018
Transfer Doc	2018/4341
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	11921 ROAD 448, UNION, MS 39365-3955
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2641
Date	Mar 25, 2022
Book Page	2022/2641
Instrument	2022-2641

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	11921 ROAD 448, UNION, MS 39365-3955
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/9577
Date	Nov 14, 2018
Book Page	2018/9577

Lender

Name	AFFORDABLE LENDING GROUP LLC
Type	Mortgage Company
Address	RIDGELAND, MS 39157

Agreement

Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NESHOBA MS
Recording Date	Aug 13, 2018
Property Address	11921 ROAD 448, UNION, MS 39365-3955
Document Number	2018/4341
Book / Page	2018 / 4341
Instrument Date	Jul 31, 2018
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11901 ROAD 448, 11901, UNION, MS 39365-3955

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11130 ROAD 452, PHILADELPHIA, MS 39350-7768

Tax Assessment & Valuation

The 2025 property tax bill for 11921 Rd 448 was $1,159 with a homeowner's exemption, down 2.4% 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	$1,159.00 (-2.44%) Homeowner's exemption	$13,877	$138,770 Land $8,300 Building $130,470
2024	$1,188.00 (+7.22%)
2023	$1,108.00 Homeowner's exemption	$12,720	$127,200 Land $8,300 Building $118,900
2021	$1,111.00

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

Flood

FEMA maps place 11921 Rd 448 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 June 4, 2010

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

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

Wildfire

Wildfire risk around 11921 Rd 448 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 10 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

Nearby Properties on Rd 448

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