120 Old Trace Rd, Madison, MS 39110 Property Records

Madison County property record for 120 Old Trace Rd, Madison, MS 39110

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,845 sqft · built 2009
Lot Size	0.179 acres (7,835 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,919 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072F-14A-008`

Property Details

APN / Parcel Number

Primary APN	`072F-14A-008`
Alternative APNs	`072F-14A-008/00.00` `44774`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	4,845 sqft Adjusted Area
Gross Area	2,436 sqft
1st Floor Area	2,436 sqft
2nd Floor Area	1,904 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Roof Type	Hip
Roof Material	Tile
Lot Area	7,835 sqft (0.179 acres)
Pool Type	Pool Type
Pool Area	288 sqft
Patio Area	1,145 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	44774
Street Address	120 OLD TRACE RD
City	MADISON
State	MS
Zip	39110-2017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 66 THE TOWN OF LOST RABBIT PHASE I LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	14
Legal Subdivision	TOWN OF LOST RABBIT PHI THE
Legal Phase	1
Legal Lot Number	66
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	2
Census Block	2001
Census Tract	30207

Owner

Source: Madison County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	120 OLD TRACE RD, MADISON, MS 39110-2017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMERCIAL BANK
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMERCIAL BANK
Sep 29, 2020	Deed of Trust, Construction Loan · Construction Mortgage FIRST COM'L BK
Jun 13, 2017	Deed of Trust, Mortgage COMMUNITY BK/MS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 26, 2014
Transfer Doc	3069/0745
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	120 OLD TRACE RD, MADISON, MS 39110-2017
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 OLD TRACE RD, MADISON, MS 39110-2017

Mortgage

Document Number	4104/647
Date	Sep 21, 2021
Book Page	4104/647
Instrument	936936

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank
Address	MADISON, MS 39110

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 16, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	120 OLD TRACE RD, MADISON, MS 39110-2017
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 OLD TRACE RD 1, 1, MADISON, MS 39110-2017

Mortgage

Document Number	4093/577
Date	Aug 27, 2021
Book Page	4093/577
Instrument	935168

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank
Address	JACKSON, MS 39211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Recording Date	Sep 29, 2020
Property Address	120 OLD TRACE RD, MADISON, MS 39110-2017
Document Number	0000906581
Book / Page	003921 / 000247
Instrument Date	Sep 21, 2020
Instrument	906581
Transaction Type	Construction Loan
Record Updated	Oct 21, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 OLD TRACE RD MADISON MS 391102017, MADISON, MS 39110-2017

Mortgage

Document Number	0000906581
Date	Sep 29, 2020
Book Page	003921/000247
Instrument	906581

Lender

Name	FIRST COM'L BK
Type	Bank
Address	JACKSON, MS 39211

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 28, 2021

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	120 OLD TRACE RD, MADISON, MS 39110-2017
Document Number	0000814749
Book / Page	003491 / 000135
Instrument Date	Jun 13, 2017
Transaction Type	Mortgage
Record Updated	Jul 18, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 OLD TRACE RD MADISON MS 391102017, MADISON, MS 39110-2017

Mortgage

Document Number	0000814749
Date	Jun 20, 2017
Book Page	003491/000135
Instrument	814749

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

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	$6,919.00 (+10.67%) Homeowner's exemption	$77,899 (+10.18%)	$778,990 (+10.18%) Land $150,000 Building $628,990
2024	$6,252.00
2023	$6,252.00 Homeowner's exemption	$70,699	$706,990 Land $150,000 Building $556,990

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	2 (2005–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2018 · other causes

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Mississippi
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	PRVWSD-TWIN HARBOR state or territorial government · serves 2,973 people · EPA ID MS0450024
Water Source	Groundwater
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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 101 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
NETSPEEDMS Fixed Wireless	335 / 192

May also be available: Xfinity.

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