228 Hardy Rd, Madison, MS 39110 Property Records

Madison County property record for 228 Hardy Rd, Madison, MS 39110

Property Summary

Property Type	Other Improved
Details	2,400 sqft · built 2020
Lot Size	9.6 acres (418,176 sqft)
Owner	Individual Name on File
Tax Bill	$1,693 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`071B-10-019`

Property Details

APN / Parcel Number

Primary APN	`071B-10-019`
Alternative APNs	`071B-10-019/00.00` `4039`

Interior

Building Area	2,400 sqft Adjusted Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	418,176 sqft (9.6 acres)
Lot Dimensions	160 ft deep x 140 ft wide

Location & Zoning

Account Number	4039
Street Address	228 HARDY RD
City	MADISON
State	MS
Zip	39110-9125
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R2
Legal Description	W1/2 E1/2 NE1/4 SE1/4 LESS LOT 140X160 TO USA
Legal Range	01E
Legal Township	07N
Legal Section	10
Jurisdiction	MADISON MS
Township / Civil Division	3
Census Block Group	2
Census Block	2026
Census Tract	30204

Owner

228 Hardy Rd is owned and occupied by an individual who acquired it in September 2018.

Source: Madison County records, as of January 5, 2026

Owner of Record	Individual Name on File
Mailing Address	228 HARDY RD, MADISON, MS 39110-9125
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
Dec 29, 2025	Deed of Trust, Mortgage · Line of Credit THE CITIZENS BANK
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND
Jul 28, 2020	Deed of Trust, Mortgage PRIORITYONE BK
Jan 30, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 14, 2018	Warranty Deed, Transfer SB&T BK/AL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2018
Deed Sale	Sep 14, 2018
Deed Document Number	2018847743
Deed Book / Page	3647 / 528
Prior Transfer Date	Dec 15, 2008
Prior Transfer Doc	002383/992
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	228 HARDY RD, MADISON, MS 39110-9125
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 HARDY RD, MADISON, MS 39110-9125

Mortgage

Document Number	00004633/9
Date	Dec 29, 2025
Book Page	4633/9
Instrument	1043372

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 12, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	228 HARDY RD, MADISON, MS 39110-9125
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004159/392
Date	Jan 19, 2022
Book Page	4159/392
Instrument	948589

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	228 HARDY RD, MADISON, MS 39110-9125
Document Number	0000897716
Instrument Date	Jul 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 HARDY RD MADISON MS 391109125, MADISON, MS 39110-9125

Mortgage

Document Number	0000897716
Date	Jul 31, 2020
Book Page	003890/000337
Instrument	897716

Lender

Name	PRIORITYONE BK
Type	Bank
Address	RIDGELAND, MS 39157-1715

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2050

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON MS
Recording Date	Jan 30, 2019
Property Address	228 HARDY RD, MADISON, MS 39110-9125
Document Number	0000857760
Book / Page	003687 / 000176
Instrument Date	Nov 25, 2018
Instrument	857760
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 PINE HILL DR RIDGELAND MS 391573508, RIDGELAND, MS 39157-3508

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	Sep 14, 2018
Property Address	228 HARDY RD, MADISON, MS 39110-9125
Document Number	0000847743
Book / Page	003647 / 000528
Instrument Date	Sep 14, 2018
Instrument	847743
Transaction Type	Transfer
Record Updated	Sep 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 TRAILBRIDGE XING CANTON MS 390466067, CANTON, MS 39046-6067

Mortgage

Document Number	847744
Date	Sep 14, 2018
Book Page	003647/000531
Instrument	847744

Lender

Name	SB&T BK/AL
Type	Bank
Address	JACKSON, MS 39211

Agreement

Amount	Amount on Record
Term	60 Months
Due	Sep 13, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 228 Hardy Rd was $1,693 with a homeowner's exemption, down 41.1% from the year before.

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	$1,693.00 (-41.11%) Homeowner's exemption	$19,110	$191,100 Land $48,000 Building $143,100
2024	$2,875.00
2023	$2,875.00	$28,665	$191,100 Land $48,000 Building $143,100

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

Flood

FEMA maps place 228 Hardy Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2021.

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 11 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (2021–2024)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Apr 2024 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Apr 2024 · 3 claims

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 228 Hardy Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
C Spire Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: NETSPEEDMS.

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