404 Madison Oaks Dr, Madison, MS 39110 Property Records

Madison County property record for 404 Madison Oaks Dr, Madison, MS 39110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,919 sqft · built 1997
Owner	Individual Name on Record
Tax Bill	$793 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072E-16B-064`

Property Details

APN / Parcel Number

Primary APN	`072E-16B-064`
Alternative APNs	`072E-16B-064/00.00` `12028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,919 sqft Adjusted Area
1st Floor Area	1,549 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	12028
Old Parcel Number	072E-16B-064/00.00
Street Address	404 MADISON OAKS DR
City	MADISON
State	MS
Zip	39110-9492
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 MADISON OAKS PART I LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	16
Legal Subdivision	MADISON OAKS PT 1
Legal Lot Number	2
Jurisdiction	MADISON MS
Township / Civil Division	2
Census Block Group	3
Census Block	3003
Census Tract	30202

Owner

Source: Madison County records, as of December 1, 2025

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	Individual Name on Record
Mailing Address	404 MADISON OAKS DR, MADISON, MS 39110-9492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMERCIAL BANK
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMERCIAL BANK
May 29, 2018	Deed of Trust, Mortgage RENASANT BK
Jul 7, 2017	Trustee's Deed, Construction Loan · Line of Credit METROPOLITAN BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 1997
Deed Sale	Jul 15, 1997
Deed Document Number	0000400192
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	404 MADISON OAKS DR, MADISON, MS 39110-9492
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 MADISON OAKS DR, MADISON, MS 39110-9492

Mortgage

Document Number	4002/80
Date	Mar 10, 2021
Book Page	4002/80
Instrument	920262

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank
Address	JACKSON, MS 39211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 16, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	404 MADISON OAKS DR, MADISON, MS 39110-9492
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 MADISON OAKS DR, MADISON, MS 39110-9492

Mortgage

Document Number	3988/239
Date	Feb 10, 2021
Book Page	3988/239
Instrument	918008

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank
Address	JACKSON, MS 39211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	404 MADISON OAKS DR, MADISON, MS 39110-9492
Document Number	0000840967
Instrument Date	May 29, 2018
Transaction Type	Mortgage
Record Updated	Jun 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 MADISON OAKS DR MADISON MS 391109492, MADISON, MS 39110-9492

Mortgage

Document Number	0000840967
Date	Jun 13, 2018
Book Page	003611/000936
Instrument	840967

Lender

Name	RENASANT BK
Type	Bank
Address	MADISON, MS 39110

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 12, 2028

Interest

Rate Type	Adjustable Rate

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MADISON MS
Recording Date	Jul 7, 2017
Property Address	404 MADISON OAKS DR, MADISON, MS 39110-9492
Book / Page	003497 / 000479
Instrument Date	Jun 30, 2017
Instrument	815846
Transaction Type	Construction Loan
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 MADISON OAKS DR MADISON MS 391109492, MADISON, MS 39110-9492

Mortgage

Document Number	0000815846
Date	Jul 7, 2017
Book Page	003497/000479
Instrument	815846

Lender

Name	METROPOLITAN BK
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 6, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Madison County assessment roll, as of September 1, 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	$793.00 Homeowner's exemption	$14,781 (+3.27%)	$147,810 (+3.27%) Land $45,000 Building $102,810
2024	$793.00
2023	$793.00 Homeowner's exemption	$14,313	$143,130 Land $45,000 Building $98,130

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

Flood

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 Record median of 10 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Aug 2005 · Hurricane Katrina

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.3% of Mississippi
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	BEAR CREEK W/A -EAST public/private · serves 18,770 people · EPA ID MS0450002
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 336 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
T-Mobile Fixed Wireless	100 / 20

May also be available: NETSPEEDMS.

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