Union County property record for 409 Ray St, New Albany, MS 38652
| Property Type | Rural Home |
|---|---|
| Details | 1 ba · 1,680 sqft · built 1970 |
| Owner | Individual Name on Record |
| Tax Bill | $999 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 012N-12-061.00 |
| Primary APN | 012N-12-061.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 4 Rooms |
| Building Area | 1,680 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Metal |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 660 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 409 RAY ST |
|---|---|
| City | NEW ALBANY |
| State | MS |
| Zip | 38652-1914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PT NE 1/4ETUX APRIL HARDY |
| Jurisdiction | UNION MS |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 950300 |
Source: Union County records, as of December 15, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 409 RAY ST, NEW ALBANY, MS 38652-1914 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2022 | Deed of Trust, Mortgage · Line of Credit THE BANK OF HOLLY SPRING |
| Jun 3, 2020 | Deed of Trust, Mortgage · Line of Credit THE BANK OF HOLLY SPRING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 2012 |
| Deed Sale | Jan 19, 2012 |
| Deed Document Number | 2012000199 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION MS |
| Property Address | 409 RAY ST, NEW ALBANY, MS 38652-1914 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 409 RAY ST, NEW ALBANY, MS 38652-1914 |
| Document Number | 2022002073 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 2022002073 |
| Name | THE BANK OF HOLLY SPRING |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 58 Months |
| Due | Mar 15, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION MS |
| Property Address | 409 RAY ST, NEW ALBANY, MS 38652-1914 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 409 RAY ST, NEW ALBANY, MS 38652-1914 |
| Document Number | 2020001917 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | 2020001917 |
| Name | THE BANK OF HOLLY SPRING |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 0 Months |
| Due | Jun 28, 2020 |
Source: Union County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Union County |
| Municipality | New Albany City |
| Unified School District | New Albany Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $999.00 (+3.63%) Homeowner's exemption | $8,833 (-) | $88,330 (-) Land $3,630 Building $84,700 |
| 2024 | $964.00 (-0.41%) | ||
| 2023 | $968.00 (+29.59%) Homeowner's exemption | $8,833 (+22.95%) | $88,330 (+22.95%) Land $3,630 Building $84,700 |
| 2022 | $747.00 Homeowner's exemption | $7,184 | $71,840 Land $3,300 Building $68,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 11, 2014 · 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 |
| Nearby Flood Claims | 6 (1983–2012) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Aug 2012 · Hurricane Isaac |
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 | Moderate above 45% of the US · above 43% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Buckeye Cablesystem Fiber · Cable in parts of the area | 10,000 / 10,000 |
| ACE Fiber Fiber | 8,000 / 8,000 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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