Union County property record for 495 Gray St, New Albany, MS 38652
| Property Type | Rural Home |
|---|---|
| Details | 1 ba · 1,209 sqft · built 1985 |
| Lot Size | 0.218 acres (9,523 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,538 (2025) |
| Deeds & Mortgages | Mar 2023 Sale Oct 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 045N-09-086.03 |
| Primary APN | 045N-09-086.03 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Building Area | 1,209 sqft Living Area |
| 1st Floor Area | 1,209 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,523 sqft (0.218 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 495 GRAY ST |
|---|---|
| City | NEW ALBANY |
| State | MS |
| Zip | 38652-6004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | LOT 5 GRAY*SEE ADDENDUM* |
| Legal Range | 03E |
| Legal Township | 07S |
| Legal Section | 09 |
| Legal Subdivision | GRAY |
| Legal Lot Number | 5 |
| Jurisdiction | UNION MS |
| Township / Civil Division | 5 |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 950400 |
495 Gray St, a rural home, is owned and occupied by two individuals who acquired it in October 2017.
Source: Union County records, as of December 16, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 495 GRAY ST, NEW ALBANY, MS 38652-6004 |
| 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.
| Date | Document |
|---|---|
| Mar 29, 2023 | Warranty Deed, Transfer |
| Oct 6, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 6, 2017 |
| Transfer Doc | 2017003548 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION MS |
| Recording Date | Mar 29, 2023 |
| Property Address | 495 GRAY ST, NEW ALBANY, MS 38652-6004 |
| Document Number | 2023001067 |
| Instrument Date | Mar 28, 2023 |
| Instrument | 2023001067 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 495 GRAY ST, NEW ALBANY, MS 38652-6004 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | UNION MS |
| Recording Date | Oct 6, 2017 |
| Property Address | 495 GRAY ST, NEW ALBANY, MS 38652-6004 |
| Document Number | 2017003548 |
| Instrument Date | Oct 6, 2017 |
| Instrument | 2017003548 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 495 GRAY ST, NEW ALBANY, MS 38652-6004 |
The 2025 property tax bill for 495 Gray St was $1,538 with a homeowner's exemption, up 3% from the year before.
Source: Union County assessment roll, as of October 30, 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 | $1,538.00 (+3.01%) Homeowner's exemption | $11,481 | $76,540 Land $3,580 Building $72,960 |
| 2024 | $1,493.00 (+87.09%) | ||
| 2023 | $798.00 (+23.34%) Homeowner's exemption | $7,654 (+22.56%) | $76,540 (+22.56%) Land $3,580 Building $72,960 |
| 2022 | $647.00 Homeowner's exemption | $6,245 | $62,450 Land $3,250 Building $59,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 495 Gray St in Zone X, an area of minimal flood risk.
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 Policies | 1 in force |
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 495 Gray St is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 77% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 165 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 |
| AT&T Fiber | 5,000 / 5,000 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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