Union County property record for 413 Ray St, New Albany, MS 38652
| Property Type | Rural Home |
|---|---|
| Details | 1 ba · 1,803 sqft · built 1946 |
| Owner | 2 Individual Names on Record |
| Tax Bill | $647 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012N-12-059.00 |
| Primary APN | 012N-12-059.00 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Building Area | 1,803 sqft Living Area |
| Flooring | Hardwood |
| Interior Walls | Wood |
| Year Built | Built 1946 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 413 RAY ST |
|---|---|
| City | NEW ALBANY |
| State | MS |
| Zip | 38652-1914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PT NE 1/4 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1138 COUNTY ROAD 194 LOT 2, 2, BLUE SPRINGS, MS 38828-9165 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2022 | Deed of Trust, Mortgage BNA BANK |
| May 25, 2018 | Deed of Trust, Mortgage BNA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2024 |
| Deed Sale | Jul 2, 2024 |
| Deed Document Number | 202402976 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION MS |
| Property Address | 413 RAY ST, NEW ALBANY, MS 38652-1914 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 413 RAY ST, NEW ALBANY, MS 38652-1914 |
| Document Number | 2022003632 |
|---|---|
| Date | Sep 7, 2022 |
| Instrument | 2022003632 |
| Name | BNA BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Sep 2, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION MS |
| Property Address | 413 RAY ST, NEW ALBANY, MS 38652-1914 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 413 RAY ST, NEW ALBANY, MS 38652-1914 |
| Document Number | 2018001674 |
|---|---|
| Date | May 25, 2018 |
| Instrument | 2018001674 |
| Name | BNA BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 13 Months |
| Due | Jun 5, 2019 |
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 | $647.00 (+3.85%) Homeowner's exemption | $6,074 (-) | $60,740 (-) Land $3,630 Building $57,110 |
| 2024 | $623.00 (-0.48%) | ||
| 2023 | $626.00 (+22.27%) Homeowner's exemption | $6,074 (+22.19%) | $60,740 (+22.19%) Land $3,630 Building $57,110 |
| 2022 | $512.00 Homeowner's exemption | $4,971 | $49,710 Land $3,300 Building $46,410 |
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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