540 McKay Rd, Hickory Flat, MS 38633 Property Records

Benton County property record for 540 McKay Rd, Hickory Flat, MS 38633

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,321 sqft · built 1987
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Tax Bill	$624 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-0560-28-000-004.00`

Property Details

APN / Parcel Number

Primary APN	`1-0560-28-000-004.00`
Alternative APN	`15971`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,321 sqft Living Area
1st Floor Area	1,321 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asbestos
Lot Area	43,560 sqft (1 acres)
Utility Building	441 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	15971
Street Address	540 MCKAY RD
City	HICKORY FLAT
State	MS
Zip	38633-7754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E SIDE SE 1/4 NE 1/4 DB 71-272 DB 74-271 & 2 135-26 145/512
Legal Range	001
Legal Township	005
Legal Section	28
Jurisdiction	BENTON MS
Township / Civil Division	5
Census Block Group	2
Census Block	2013
Census Tract	950200

Owner

Source: Benton County records · APN 1-0560-28-000-004.00

Assessment roll updated December 23, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	540 MCKAY RD, HICKORY FLAT, MS 38633-7754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Dec 20, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 07, 2010
Deed Sale	Jun 07, 2010
Deed Document Number	2010654
Deed Book / Page	180 / 263
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MS
Property Address	540 MCKAY RD, HICKORY FLAT, MS 38633-7754
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0264/0041
Date	Dec 14, 2020
Book Page	0264/0041
Instrument	202001191

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MS
Property Address	540 MCKAY RD, HICKORY FLAT, MS 38633-7754
Transaction Type	Mortgage
Record Updated	Jan 08, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0258/0766
Date	Dec 20, 2019
Book Page	0258/0766
Instrument	201901164

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 01, 2039

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Benton County records · Assessment roll updated December 23, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Benton County
Unified School District	Benton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$624.00 (+18.86%) Homeowner's exemption	$6,077 (+0.83%)	$60,110 (+0.84%) Land $1,500 Building $58,610
2023	$525.00 Homeowner's exemption	$6,027	$59,610 Land $1,500 Building $58,110

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Benton County (28009C), as of October 2, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280099502002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 61% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Alcorn County Electric Power Association Fiber	8,000 / 8,000
BCI Mississippi Broadband Cable	1,000 / 20

Based on FCC filings for 36 locations within half a mile of this property.

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