Madison County property record for 304 Lois Ct, Madison, MS 39110
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.578 acres (25,199 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $332,304 (May 2026) |
| Tax Bill | $600 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Jul 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081F-23-002/04.73 |
| Primary APN | 081F-23-002/04.73 |
|---|---|
| Alternative APN |
|
| Lot Area | 25,199 sqft (0.578 acres) |
|---|
| Account Number | 58853 |
|---|---|
| Street Address | 304 LOIS CT |
| City | MADISON |
| State | MS |
| Zip | 39110-1809 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | LOT 71 WESTLAKE PH 1 SUBD OUTSIDE P ER/BT CORN DRN DIST |
| Legal Range | 01E |
| Legal Township | 08N |
| Legal Section | 23 |
| Legal Subdivision | WESTLAKE PH I |
| Legal Phase | 1 |
| Legal Lot Number | 71 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 30402 |
Source: Madison County records, as of June 15, 2026
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 | 304 LOIS CT, MADISON, MS 39110-1809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 25, 2024 | Deed of Trust, Mortgage · Line of Credit GUARANTY BANK & TRUST CO |
| Jul 17, 2025 | Deed of Trust, Mortgage BANK OF FOREST |
| May 29, 2026 | Warranty Deed, Transfer · VA Mortgage WELLSFARGOBANKNA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on Record |
| Deed Sale | May 29, 2026 · Amount on Record |
| Deed Document Number | 20261052691 |
| Deed Book / Page | 4688 / 99 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 304 LOIS CT, MADISON, MS 39110-1809 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 213 PALMERS CT, MADISON, MS 39110-8689 |
| Investor | Possibly a Property Investor |
| Document Number | 004422/184 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | 4422/184 |
| Instrument | 1001147 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RIDGELAND, MS 39157 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 19, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 304 LOIS CT, MADISON, MS 39110-1809 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 213 PALMERS CT, MADISON, MS 39110-8689 |
| Document Number | 004577/182 |
|---|---|
| Date | Jul 17, 2025 |
| Book Page | 4577/182 |
| Instrument | 1031306 |
| Name | BANK OF FOREST |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Jul 14, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | May 29, 2026 |
| Property Address | 304 LOIS CT, MADISON, MS 39110-1809 |
| Document Number | 0001052691 |
| Book / Page | 4688 / 99 |
| Instrument Date | May 28, 2026 |
| Instrument | 20261052691 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | FIRST GUARANTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 304 LOIS CT, MADISON, MS 39110-1809 |
| Document Number | 0001052692, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 20261052692 |
| Name | WELLSFARGOBANKNA |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
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 | $600.00 | $5,850 (-4%) | $39,000 (-4%) Land $39,000 |
| 2024 | $600.00 (-40.06%) | ||
| 2023 | $1,001.00 | $9,750 | $65,000 Land $65,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 9 in force |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CMU - LAKE CAROLINE serves 8,511 people · EPA ID MS0450034 |
|---|---|
| Water Source | Groundwater |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 222 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| NETSPEEDMS Fixed Wireless | 499 / 285 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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