12221 Rd 448, Union, MS 39365 Property Records

Neshoba County property record for 12221 Rd 448, Union, MS 39365 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,216 sqft · built 1980
Lot Size	11 acres (479,160 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,084 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08100-30-010.000`

Property Details

APN / Parcel Number

Primary APN	`08100-30-010.000`
Alternative APN	`10103`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	3,216 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Exterior Material	Brick Veneer
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	479,160 sqft (11 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	10103
Street Address	12221 ROAD 448
City	UNION
State	MS
Zip	39365-3961
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW 1/4 NW 1/4
Jurisdiction	NESHOBA MS
Township / Civil Division	3
Census Block Group	4
Census Block	4006
Census Tract	10600

Owner

Source: Neshoba County records · APN 08100-30-010.000

Assessment roll updated September 1, 2025 · Last verified December 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 File
Mailing Address	12221 ROAD 448, UNION, MS 39365-3961
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF PHILADELPHIA
May 31, 2018	Deed of Trust, Mortgage THE CITIZENS BANK OF PHILADELPHIA
Apr 06, 2018	Deed of Trust, Mortgage THE CITIZENS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 21, 2005
Deed Sale	Dec 21, 2005
Deed Document Number	000A272545
Record Updated	Jun 08, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	12221 ROAD 448, UNION, MS 39365-3961
Transaction Type	Mortgage
Record Updated	Nov 09, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/8253
Date	Oct 24, 2022
Book Page	2022/8253
Instrument	2022-8253

Lender

Name	CITIZENS BANK OF PHILADELPHIA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	72 Months
Due	Jan 17, 2028

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	12221 ROAD 448, UNION, MS 39365-3961
Transaction Type	Mortgage
Record Updated	Jul 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/4051
Date	May 31, 2018
Book Page	2018/4051

Lender

Name	THE CITIZENS BANK OF PHILADELPHIA
Type	Bank
Address	COLLINSVILLE, MS 39325

Agreement

Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NESHOBA MS
Property Address	12221 ROAD 448, UNION, MS 39365-3961
Transaction Type	Mortgage
Record Updated	May 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/2555
Date	Apr 06, 2018
Book Page	2018/2555

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	COLLINSVILLE, MS 39325

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Apr 10, 2028

Tax Assessment & Valuation

Source: Neshoba County records · Assessment roll updated September 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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	$1,084.00 (-3.3%) Homeowner's exemption Senior Citizen's exemption	$19,528 (+9.3%)	$193,170 (+9.52%) Land $9,650 Building $183,520
2024	$1,121.00 (-2.27%)
2023	$1,147.00 (-0.35%) Homeowner's exemption Senior Citizen's exemption	$17,866	$176,380 Land $9,720 Building $166,660
2021	$1,151.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Neshoba County (28099C), updated June 4, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Low above 36% of the US · above 19% of Mississippi
Wildfire Likelihood	About 1 in 2,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 10 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Telapex	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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