Madison County property record for 203 Trace Harbor Rd, Madison, MS 39110
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,440 sqft · built 1973 |
| Lot Size | 0.267 acres (11,641 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,357 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Jun 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072A-01C-038 |
| Primary APN | 072A-01C-038 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Adjusted Area |
| Gross Area | 1,410 sqft |
| 1st Floor Area | 1,410 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 11,641 sqft (0.267 acres) |
| Utility Building | 320 sqft |
| Cooling System | Central |
|---|
| Account Number | 7204 |
|---|---|
| Street Address | 203 TRACE HARBOR RD |
| City | MADISON |
| State | MS |
| Zip | 39110-8732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 80 TWIN HARBORS PART 1 LEASEHOLD |
| Legal Range | 02E |
| Legal Township | 07N |
| Legal Section | 01 |
| Legal Subdivision | TWIN HARBORS PT 1 |
| Legal Lot Number | 80 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 30208 |
Source: Madison County records, as of July 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 203 TRACE HARBOR RD, MADISON, MS 39110-8732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2023 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Jun 12, 2023 | Deed of Trust, Mortgage · Line of Credit VERITAS FCU |
| Sep 25, 2020 | Deed of Trust, Mortgage ROYAL UNITED MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 29, 2014 |
| Transfer Doc | 03135/0192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 203 TRACE HARBOR RD, MADISON, MS 39110-8732 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 004387/249 |
|---|---|
| Date | Nov 14, 2023 |
| Book Page | 4387/249 |
| Instrument | 994793 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON, MS 39110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 26, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 203 TRACE HARBOR RD, MADISON, MS 39110-8732 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4433 MECHANICSBURG RD, BENTONIA, MS 39040-8152 |
| Document Number | 0004340/14 |
|---|---|
| Date | Jun 12, 2023 |
| Book Page | 4340/14 |
| Instrument | 983644 |
| Name | VERITAS FCU |
|---|---|
| Type | Credit Union |
| Address | SMYRNA, TN 37167 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 203 TRACE HARBOR RD, MADISON, MS 39110-8732 |
| Document Number | 0000916762 |
| Instrument Date | Sep 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 4433 MECHANICSBURG RD BENTONIA MS 390408152, BENTONIA, MS 39040-8152 |
| Document Number | 0000916762 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | 003980/000274 |
| Instrument | 916762 |
| Name | ROYAL UNITED MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 26, 2051 |
Source: Madison County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,357.00 (-0.37%) | $13,224 (-0.32%) | $88,160 (-0.32%) Land $30,000 Building $58,160 |
| 2024 | $1,362.00 | ||
| 2023 | $1,362.00 | $13,266 | $88,440 Land $30,000 Building $58,440 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 1 (2016) |
| Most Recent Claim | Nov 2016 · 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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 213 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 |
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