306 Trace Harbor Rd, Madison, MS 39110 Property Records

Madison County property record for 306 Trace Harbor Rd, Madison, MS 39110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,795 sqft · built 1990
Owner	2 Individual Names on File
Tax Bill	$1,852 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`072A-12B-085`

Property Details

APN / Parcel Number

Primary APN	`072A-12B-085`
Alternative APNs	`072A-12B-085/00.00` `11199`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,795 sqft Adjusted Area
1st Floor Area	1,452 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	11199
Old Parcel Number	072A-12B-085/00.00
Street Address	306 TRACE HARBOR RD
City	MADISON
State	MS
Zip	39110-8765
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 217 TWIN HARBORS PART III-A LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	12
Legal Subdivision	TWIN HARBORS PT 3A
Legal Lot Number	217
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	3
Census Block	3011
Census Tract	30208

Owner

Source: Madison County records · APN 072A-12B-085

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	4433 MECHANICSBURG RD, BENTONIA, MS 39040-8152
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 06, 2022	Deed of Trust, Mortgage · Line of Credit VERITAS FCU
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Nov 04, 2019	Deed of Trust, Mortgage SUPREME LNDG
Aug 21, 2019	Deed of Trust, Mortgage · FHA Mortgage SUPREME LNDG
Aug 21, 2019	Deed of Trust, Mortgage PRIVATE INDIVIDUAL
Aug 21, 2019	Deed of Trust, Mortgage · FHA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 10, 2021
Deed Sale	Mar 10, 2021
Deed Document Number	0004001560
Record Updated	Jun 08, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	306 TRACE HARBOR RD, MADISON, MS 39110-8765
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4433 MECHANICSBURG RD, BENTONIA, MS 39040-8152

Mortgage

Document Number	004283/833
Date	Dec 06, 2022
Book Page	4283/833
Instrument	973260

Lender

Name	VERITAS FCU
Type	Credit Union
Address	SMYRNA, TN 37167

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Nov 01, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	306 TRACE HARBOR RD, MADISON, MS 39110-8765
Transaction Type	Mortgage
Record Updated	Jul 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4433 MECHANICSBURG RD, BENTONIA, MS 39040-8152

Mortgage

Document Number	3992/261
Date	Feb 23, 2021
Book Page	3992/261
Instrument	918627

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	306 TRACE HARBOR RD, MADISON, MS 39110-8765
Document Number	0000879342
Instrument Date	Nov 04, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 W PARK RD GREENVILLE MS 387018533, GREENVILLE, MS 38701-8533

Mortgage

Document Number	0000879342
Date	Nov 06, 2019
Book Page	003784/000762
Instrument	879342

Lender

Name	SUPREME LNDG
Address	JACKSON, MS 39202

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Nov 05, 2029

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	306 TRACE HARBOR RD, MADISON, MS 39110-8765
Document Number	0000870675
Instrument Date	Aug 21, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 W PARK RD GREENVILLE MS 387018533, GREENVILLE, MS 38701-8533

Mortgage

Document Number	0000870675
Date	Aug 21, 2019
Book Page	003755/000943
Instrument	870675

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	306 TRACE HARBOR RD, MADISON, MS 39110-8765
Document Number	0000870687
Instrument Date	Aug 21, 2019
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 W PARK RD GREENVILLE MS 387018533, GREENVILLE, MS 38701-8533

Mortgage

Document Number	0000870687
Date	Aug 22, 2019
Book Page	003756/000017
Instrument	870687

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	JACKSON, MS 39202

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 21, 2029

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	306 TRACE HARBOR RD, MADISON, MS 39110-8765
Document Number	0000879338
Instrument Date	Aug 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 W PARK RD GREENVILLE MS 387018533, GREENVILLE, MS 38701-8533

Mortgage

Document Number	0000879338
Date	Nov 06, 2019
Book Page	003784/000711
Instrument	879338

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 05, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Madison County
Unified School District	Madison 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	$1,852.00	$18,045 (-)	$120,300 (-) Land $30,000 Building $90,300
2024	$1,852.00
2023	$1,852.00	$18,045	$120,300 Land $30,000 Building $90,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2016)
Most Recent Claim	Nov 2016 · other causes

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 81% of Mississippi
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Telapex Fiber	8,000 / 8,000
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

Based on FCC filings for 213 locations within half a mile of this property.

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