3003 Tidewater Cir, Madison, MS 39110 Property Records

Madison County property record for 3003 Tidewater Cir, Madison, MS 39110

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,736 sqft · built 1987
Lot Size	0.426 acres (18,587 sqft)
Owner	2 Individual Names on File
Last Sale	$281,300 (Feb 2008)
Tax Bill	$2,156 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072H-28A-011`

Property Details

APN / Parcel Number

Primary APN	`072H-28A-011`
Alternative APNs	`072H-28A-011/00.00` `15717`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,736 sqft Adjusted Area
Gross Area	1,391 sqft
1st Floor Area	1,391 sqft
2nd Floor Area	1,046 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,587 sqft (0.426 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	15717
Street Address	3003 TIDEWATER CIR
City	MADISON
State	MS
Zip	39110-8980
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 TREASURE COVE PART 3 B@33
Legal Range	02E
Legal Township	07N
Legal Section	28
Legal Subdivision	TREASURE COVE PT 3
Legal Lot Number	3
Jurisdiction	MADISON MS
Township / Civil Division	3
Census Block Group	1
Census Block	1019
Census Tract	30110

Owner

3003 Tidewater Cir is owned and occupied by two individuals who bought it in February 2008.

Source: Madison County records, as of July 31, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3003 TIDEWATER CIR, MADISON, MS 39110-8980
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2008 · Amount on File
Deed Sale	Feb 13, 2008 · Amount on File
Deed Document Number	2008556846
Deed Book / Page	2284 / 824
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Recording Date	Jul 23, 2026
Property Address	3003 TIDEWATER CIR, MADISON, MS 39110-8980
Document Number	0001056085
Book / Page	4709 / 625
Instrument Date	Jul 10, 2026
Instrument	20261056085
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3003 TIDEWATER CIR, MADISON, MS 39110-8980

Mortgage

Document Number	0001056085,
Date	Jul 23, 2026
Book Page	4709/625
Instrument	20261056085

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	3003 TIDEWATER CIR, MADISON, MS 39110-8980
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3003 TIDEWATER CIR, MADISON, MS 39110-8980

Mortgage

Document Number	004139/923
Date	Dec 1, 2021
Book Page	4139/923
Instrument	945296

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 3003 Tidewater Cir was $2,156 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,156.00 Homeowner's exemption	$21,078	$210,780 Land $45,000 Building $165,780
2024	$2,156.00
2023	$2,156.00 Homeowner's exemption	$21,078	$210,780 Land $45,000 Building $165,780

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 3003 Tidewater Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 39 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	2 (2024–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2025 · rainfall accumulation

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 3003 Tidewater Cir 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 97% of the US · lower than 98.1% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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-MAIN HARBOR state or territorial government · serves 1,497 people · EPA ID MS0450019
Water Source	Groundwater
Lead	1 ppb (2021–2023) 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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Fixed Wireless in parts of the area	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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