406 Northbay Dr, Madison, MS 39110 Property Records

Madison County property record for 406 Northbay Dr, Madison, MS 39110

Property Summary

Property Type	Single Family Home
Details	4 bd · 7 ba · 2,868 sqft · built 1992
Lot Size	0.376 acres (16,388 sqft)
Owner	Individual Name on File
Last Sale	$197,000 (Jun 2018)
Tax Bill	$2,656 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072E-15A-001/01.07`

Property Details

APN / Parcel Number

Primary APN	`072E-15A-001/01.07`
Alternative APN	`11223`

Interior

Bedrooms	4 Beds
Full Baths	7 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,868 sqft Adjusted Area
Gross Area	1,783 sqft
1st Floor Area	1,783 sqft
2nd Floor Area	699 sqft
Flooring	Parquet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,388 sqft (0.376 acres)
Pool Area	534 sqft
Patio Area	1,503 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	11223
Street Address	406 NORTHBAY DR
City	MADISON
State	MS
Zip	39110-8036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT F-38 NORTHBAY PHASE 3 C@76 LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	15
Legal Subdivision	NORTHBAY PH 3
Legal Phase	3
Legal Lot Number	F-38
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	2
Census Block	2045
Census Tract	30207

Owner

406 Northbay Dr is owned and occupied by an individual who bought it in June 2018.

Source: Madison County records, as of June 9, 2026

Owner of Record	Individual Name on File
Mailing Address	406 NORTHBAY DR, MADISON, MS 39110-8036
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
Aug 11, 2020	Deed of Trust, Mortgage · FHA Mortgage JFQ LNDG INC
Feb 9, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LNDG INC
Jun 26, 2018	Grant Deed, Transfer · FHA Mortgage CORNERSTONE HM LNDG
May 5, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2018 · Amount on File
Deed Sale	Jun 26, 2018 · Amount on File
Prior Sale	May 5, 2017
Deed Document Number	2018841749
Deed Book / Page	3616 / 460
Prior Transfer Date	Jul 20, 2015
Prior Transfer Doc	3233/0159
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	406 NORTHBAY DR, MADISON, MS 39110-8036
Document Number	0000909960
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	406 NORTHBAY DR MADISON MS 391108036, MADISON, MS 39110-8036

Mortgage

Document Number	0000909960
Date	Nov 5, 2020
Book Page	003941/000378
Instrument	909960

Lender

Name	JFQ LNDG INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Nov 4, 2047

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	406 NORTHBAY DR, MADISON, MS 39110-8036
Document Number	0000859166
Instrument Date	Feb 9, 2019
Transaction Type	Mortgage
Record Updated	Mar 7, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	406 NORTHBAY DR MADISON MS 391108036, MADISON, MS 39110-8036

Mortgage

Document Number	0000859166
Date	Feb 27, 2019
Book Page	003695/000070
Instrument	859166

Lender

Name	JFQ LNDG INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85260

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MADISON MS
Recording Date	Jun 26, 2018
Property Address	406 NORTHBAY DR, MADISON, MS 39110-8036
Document Number	0000841749
Book / Page	003616 / 000460
Instrument Date	Jun 20, 2018
Instrument	841749
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	ADVANTAGE CLOSING AND ESCROW

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	406 NORTHBAY DR MADISON MS 391108036, MADISON, MS 39110-8036

Mortgage

Document Number	841750
Date	Jun 26, 2018
Book Page	003616/000462
Instrument	841750

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2048

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MADISON MS
Recording Date	May 5, 2017
Property Address	406 NORTHBAY DR, MADISON, MS 39110-8036
Document Number	0000811961
Book / Page	003475 / 000295
Instrument Date	Apr 27, 2017
Instrument	811961
Transaction Type	Foreclosure
Record Updated	Jul 14, 2017

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	14523 SW MILLIKAN WAY #200 BEAVERTON OR 970052352, 200, BEAVERTON, OR 97005-2352
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 406 Northbay Dr was $2,656 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	$2,656.00 Homeowner's exemption	$25,374	$253,740 Land $45,000 Building $208,740
2024	$2,656.00
2023	$2,656.00 Homeowner's exemption	$25,374	$253,740 Land $45,000 Building $208,740

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 406 Northbay Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2005.

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 File median of 33 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	2 (2005–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2018 · other causes

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 406 Northbay Dr 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	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 246 locations within half a mile, as of December 31, 2025

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

May also be available: NETSPEEDMS.

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