120 Essen Ln, Madison, MS 39110 Property Records

Madison County property record for 120 Essen Ln, Madison, MS 39110

Property Summary

Property Type	Other Improved
Details	2,209 sqft · built 2016
Lot Size	0.218 acres (9,509 sqft)
Owner	2 Individual Names on File
Last Sale	$247,800 (Jun 2020)
Tax Bill	$1,792 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082D-20-543`

Property Details

APN / Parcel Number

Primary APN	`082D-20-543`
Alternative APN	`55242`

Interior

Building Area	2,209 sqft Adjusted Area
1st Floor Area	1,788 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	9,509 sqft (0.218 acres)

Location & Zoning

Account Number	55242
Street Address	120 ESSEN LN
City	MADISON
State	MS
Zip	39110-6643
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	PUD
Legal Description	LOT 263 STILLHOUSE CREEK PHASE 11
Legal Range	02E
Legal Township	08N
Legal Section	20
Legal Subdivision	STILLHOUSE CREEK PHASE 11
Legal Phase	11
Legal Lot Number	263
Jurisdiction	MADISON MS
Township / Civil Division	2
Census Block Group	3
Census Block	3061
Census Tract	30401

Owner

120 Essen Ln is owned and occupied by two individuals who bought it in June 2020.

Source: Madison County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 ESSEN LN, MADISON, MS 39110-6643
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2020 · Amount on File
Deed Sale	Jun 26, 2020 · Amount on File
Prior Sale	Jul 5, 2016 · Amount on File
Deed Document Number	2020894590
Deed Book / Page	3872 / 712
Prior Transfer Date	Jun 25, 2020
Prior Transfer Doc	0000894590
Record Updated	Oct 29, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON MS
Recording Date	Jun 26, 2020
Property Address	120 ESSEN LN, MADISON, MS 39110-6643
Document Number	0000894590
Book / Page	003872 / 000712
Instrument Date	Jun 25, 2020
Instrument	894590
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	120 ESSEN LN MADISON MS 391106643, MADISON, MS 39110-6643

Mortgage

Document Number	894616
Date	Jun 26, 2020
Book Page	003872/000850
Instrument	894616

Lender

Name	BANKFIRST FIN'L SVCS
Type	Funding / Finance Company
Address	COLUMBUS, MS 39703

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 120 Essen Ln was $1,792 with a homeowner's exemption.

Source: Madison County assessment roll, as of November 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,792.00 Homeowner's exemption	$20,383	$203,830 Land $40,000 Building $163,830
2024	$1,792.00 (-14.34%)
2023	$2,092.00	$20,383	$203,830 Land $40,000 Building $163,830

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 120 Essen Ln in Zone X, an area of minimal flood risk.

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 File median of 25 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	25 in force

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.

Wildfire

Wildfire risk around 120 Essen Ln is low, with a 0.02% annual chance of wildfire.

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	0.02% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 399 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	499 / 285
Verizon Fixed Wireless	300 / 20