309 Rail Spike Rd, Brandon, MS 39042 Property Records

Rankin County property record for 309 Rail Spike Rd, Brandon, MS 39042

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,348 sqft · built 2005
Lot Size	0.38 acres (16,560 sqft)
Owner	2 Individual Names on File
Last Sale	$246,642 (Mar 2021)
Tax Bill	$3,727 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`I09F000002 00360`

Property Details

APN / Parcel Number

Primary APN	`I09F000002 00360`
Alternative APN	`65270`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,348 sqft Adjusted Area
1st Floor Area	2,882 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Shingle
Lot Area	16,560 sqft (0.38 acres)
Deck Area	190 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	65270
Street Address	309 RAIL SPIKE RD
City	BRANDON
State	MS
Zip	39042-7553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 36 SPEERS CROSSING I LESS 67.7 SQ FT
Legal Range	03E
Legal Township	05N
Legal Section	09
Legal Subdivision	SPEWS CROSSING 1
Legal Lot Number	36
Jurisdiction	RANKIN MS
Township / Civil Division	4
Census Block Group	1
Census Block	1021
Census Tract	20103

Owner

309 Rail Spike Rd is owned and occupied by two individuals who bought it in March 2021.

Source: Rankin County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	309 RAIL SPIKE RD, BRANDON, MS 39042-7553
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
Mar 23, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Oct 8, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HSNG AND URBAN DEVELOPMENT
Oct 9, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HSNG AND URBAN DEVELOPMENT
Mar 23, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2021 · Amount on File
Deed Sale	Mar 23, 2021 · Amount on File
Deed Book / Page	2021 / 6091
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANKIN MS
Property Address	309 RAIL SPIKE RD, BRANDON, MS 39042-7553
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000037754
Date	Mar 23, 2021
Book Page	3021/37754

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANKIN MS
Property Address	309 RAIL SPIKE RD, BRANDON, MS 39042-7553
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082874
Date	Oct 8, 2025
Book Page	3025/82874

Lender

Name	SECRETARY OF HSNG AND URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	306 Months
Due	Apr 1, 2051

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANKIN MS
Property Address	309 RAIL SPIKE RD, BRANDON, MS 39042-7553
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083150
Date	Oct 9, 2025
Book Page	3025/83150

Lender

Name	SECRETARY OF HSNG AND URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	306 Months
Due	Apr 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANKIN MS
Recording Date	Mar 23, 2021
Property Address	309 RAIL SPIKE RD, BRANDON, MS 39042-7553
Document Number	0000006091
Book / Page	2021 / 6091
Instrument Date	Mar 18, 2021
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	309 RAIL SPIKE RD, BRANDON, MS 39042-7553
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 309 Rail Spike Rd was $3,727 with a homeowner's exemption, up % from the year before.

Source: Rankin County assessment roll, as of March 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,727.00 (+0.03%) Homeowner's exemption	$30,423
2024	$3,726.00		$304,230 Land $40,000 Building $264,230
2023		$30,330
2021			$303,300 Land $40,000 Building $263,300
2019	$2,517.00

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 309 Rail Spike Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective August 15, 2022 · 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 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · 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 309 Rail Spike Rd 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 80% of the US · lower than 90% of Mississippi
Wildfire Likelihood	0.02% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LANGFORD WATER ASSOCIATION public/private · serves 4,013 people · EPA ID MS0610012
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 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
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Rail Spike Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures