Madison County property record for 481 Hwy 49, Flora, MS 39071
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,549 sqft · built 1988 |
| Lot Size | 2.94 acres (128,411 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,367 (Sep 2025) |
| Tax Bill | $1,633 (2025) |
| Deeds & Mortgages | May 2025 Line of Credit Sep 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051H-28-001/02 |
| Primary APN | 051H-28-001/02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,549 sqft Adjusted Area |
| Gross Area | 1,194 sqft |
| 1st Floor Area | 1,194 sqft |
| 2nd Floor Area | 1,066 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 128,411 sqft (2.94 acres) |
| Deck Area | 400 sqft |
| Patio Area | 400 sqft |
| Utility Building | 4,200 sqft |
| Cooling System | Central |
|---|
| Account Number | 1272 |
|---|---|
| Street Address | 481 HIGHWAY 49 |
| City | FLORA |
| State | MS |
| Zip | 39071-9784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | LOT 15 HEARTLAND ESTATES PART 2 |
| Legal Range | 01W |
| Legal Township | 08N |
| Legal Section | 28 |
| Legal Subdivision | HEARTLAND EST PT 2 |
| Legal Lot Number | 15 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 30302 |
481 Hwy 49 is owned and occupied by two individuals who bought it in September 2025.
Source: Madison County records, as of December 2, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 481 HIGHWAY 49, FLORA, MS 39071-9784 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 9, 2025 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Sep 30, 2025 | Warranty Deed, Transfer · Conventional Mortgage BANKPLUS |
| Apr 7, 2017 | Deed of Trust, Mortgage OTHER INSTITUTIONAL LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on File |
| Deed Sale | Sep 30, 2025 · Amount on File |
| Prior Sale | Oct 22, 2009 · Amount on File |
| Deed Document Number | 20251035978 |
| Deed Book / Page | 4602 / 737 |
| Prior Transfer Date | Mar 10, 2008 |
| Prior Transfer Doc | 0022940847 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 481 HIGHWAY 49, FLORA, MS 39071-9784 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 481 HIGHWAY 49, FLORA, MS 39071-9784 |
| Document Number | 004555/173 |
|---|---|
| Date | May 9, 2025 |
| Book Page | 4555/173 |
| Instrument | 1027534 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | BRANDON, MS 39042 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 26, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Sep 30, 2025 |
| Property Address | 481 HIGHWAY 49, FLORA, MS 39071-9784 |
| Document Number | 004602/737 |
| Book / Page | 4602 / 737 |
| Map Reference | CAB B SL 67 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 1035978 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 17, SANDHILL, MS 39161-0017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 481 HIGHWAY 49, FLORA, MS 39071-9784 |
| Document Number | 0001035979 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 1035979 |
| Name | BANKPLUS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 481 HIGHWAY 49, FLORA, MS 39071-9784 |
| Document Number | 0000810570 |
| Instrument Date | Apr 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 481 HIGHWAY 49 FLORA MS 390719784, FLORA, MS 39071-9784 |
| Document Number | 0000810570 |
|---|---|
| Date | Apr 13, 2017 |
| Book Page | 003467/000045 |
| Instrument | 810570 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | DANVILLE, IL 61834 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 12, 2047 |
The 2025 property tax bill for 481 Hwy 49 was $1,633 with a homeowner's exemption.
Source: Madison County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,633.00 Homeowner's exemption | $20,860 (-) | $196,990 (-) Land $40,000 Building $156,990 |
| 2024 | $1,633.00 Homeowner's exemption | $20,860 (-) | $196,990 (-) Land $40,000 Building $156,990 |
| 2023 | $1,633.00 Homeowner's exemption | $20,860 | $196,990 Land $40,000 Building $156,990 |
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.
FEMA maps place 481 Hwy 49 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2016–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Apr 2017 · river or lake flooding |
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 risk around 481 Hwy 49 is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 70% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.06% 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 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| NETSPEEDMS Fixed Wireless | 476 / 270 |
| T-Mobile Fixed Wireless | 100 / 20 |
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