Madison County property record for 538 Twin Cedars Dr, Madison, MS 39110
| Property Type | Single Family Home |
|---|---|
| Details | 4,824 sqft · built 2002 |
| Lot Size | 2.54 acres (110,642 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,449 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 082H-27-070 |
| Primary APN | 082H-27-070 |
|---|---|
| Alternative APNs |
|
| Building Area | 4,824 sqft Adjusted Area |
|---|---|
| 1st Floor Area | 3,594 sqft |
| 2nd Floor Area | 719 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 110,642 sqft (2.54 acres) |
| Cooling System | Central |
|---|
| Account Number | 23487 |
|---|---|
| Old Parcel Number | 082H-27 -070/00.00 |
| Street Address | 538 TWIN CEDARS DR |
| City | MADISON |
| State | MS |
| Zip | 39110-7288 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | LOT 105 TWIN CEDARS PHASE III -CONTAINING 2.54AC- |
| Legal Range | 02E |
| Legal Township | 08N |
| Legal Section | 27 |
| Legal Subdivision | TWIN CEDARS PH 3 |
| Legal Phase | 3 |
| Legal Lot Number | 105 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 1 |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 30208 |
538 Twin Cedars Dr is owned and occupied by two individuals who acquired it in December 2002.
Source: Madison County records, as of December 1, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 538 TWIN CEDARS DR, MADISON, MS 39110-7288 |
| 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 |
|---|---|
| Apr 13, 2026 | Deed of Trust · Line of Credit REGIONS BANK |
| Apr 13, 2026 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Jul 23, 2021 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Feb 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2002 |
| Deed Sale | Dec 31, 2002 |
| Deed Document Number | 0000525101 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Apr 13, 2026 |
| Property Address | 538 TWIN CEDARS DR, MADISON, MS 39110-7288 |
| Document Number | 0001049381 |
| Book / Page | 4668 / 606 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 20261049381 |
| Record Updated | Apr 21, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 538 TWIN CEDARS DR, MADISON, MS 39110-7288 |
| Document Number | 0001049381, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 4668/606 |
| Instrument | 20261049381 |
| Name | REGIONS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2041 |
| Rate | 5.44% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Apr 13, 2026 |
| Property Address | 538 TWIN CEDARS DR, MADISON, MS 39110-7288 |
| Document Number | 004668/606 |
| Book / Page | 4668 / 606 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 20261049381 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 538 TWIN CEDARS DR, MADISON, MS 39110-7288 |
| Document Number | 0001049381, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 4668/606 |
| Instrument | 20261049381 |
| Name | REGIONS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2041 |
| Rate | 5.44% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 538 TWIN CEDARS DR, MADISON, MS 39110-7288 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 538 TWIN CEDARS DR, MADISON, MS 39110-7288 |
| Document Number | 4073/434 |
|---|---|
| Date | Jul 23, 2021 |
| Book Page | 4073/434 |
| Instrument | 932012 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 5, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 538 TWIN CEDARS DR, MADISON, MS 39110-7288 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2021 |
| Title Company | RUCKETT LAND TITLE INC, LUCKETT LAND TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 538 TWIN CEDARS DR, MADISON, MS 39110-7288 |
| Document Number | 3992/779 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 3992/779 |
| Instrument | 918712 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
The 2025 property tax bill for 538 Twin Cedars Dr was $4,449 with a homeowner's exemption, up 1.9% from the year before.
Source: Madison County assessment roll, as of September 1, 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 | $4,449.00 (+1.92%) Homeowner's exemption | $44,791 | $447,910 Land $70,000 Building $377,910 |
| 2024 | $4,365.00 (+4.8%) | ||
| 2023 | $4,165.00 Homeowner's exemption | $43,490 | $434,900 Land $70,000 Building $364,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 538 Twin Cedars Dr in Zone X, an area of minimal flood risk.
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 15 policies |
| Nearby Flood Policies | 15 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 538 Twin Cedars Dr is low, with a 0.04% 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 | 0.04% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| NETSPEEDMS Fixed Wireless | 499 / 285 |
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