10 Valley Rd, Pontotoc, MS 38863 Property Records

Pontotoc County property record for 10 Valley Rd, Pontotoc, MS 38863

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,572 sqft · built 1970
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Tax Bill	$1,204 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Sep 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`155-21-000-007`

Property Details

APN / Parcel Number

Primary APN	`155-21-000-007`
Alternative APN	`9459`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,572 sqft Living Area
Flooring	Vinyl/Resilient
Interior Walls	Paneling
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Shingle
Lot Area	87,120 sqft (2 acres)
Utility Building	340 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	9459
Street Address	10 VALLEY RD
City	PONTOTOC
State	MS
Zip	38863-9540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 AC NE1/4 308-7 720-530 1/28/99 20120512/513 1/12 20122253 5/23/12 20126556 12/28/12 20174443 10/5/17 20180626 2/21/18
Jurisdiction	PONTOTOC MS
Township / Civil Division	4
Census Block Group	1
Census Block	1051
Census Tract	950400

Owner

10 Valley Rd is owned and occupied by an individual who acquired it in January 2022.

Source: Pontotoc County records, as of October 30, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10 VALLEY RD, PONTOTOC, MS 38863-9540
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK
Sep 17, 2020	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Jan 5, 2022	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2022
Deed Sale	Jan 5, 2022
Deed Document Number	2022000108
Record Updated	Jun 8, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	10 VALLEY RD, PONTOTOC, MS 38863-9540
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1821 RANCH RD, TUPELO, MS 38804-1638

Mortgage

Document Number	2018000627
Date	Feb 21, 2018
Instrument	2018000627

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	10 VALLEY RD, PONTOTOC, MS 38863-9540
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 VALLEY RD, PONTOTOC, MS 38863-9540

Mortgage

Document Number	2020003458
Date	Sep 17, 2020
Instrument	2020003458

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Sep 2, 2021

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	10 VALLEY RD, PONTOTOC, MS 38863-9540
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021004173
Date	Sep 29, 2021
Instrument	2021004173

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC MS
Recording Date	Jan 5, 2022
Property Address	10 VALLEY RD, PONTOTOC, MS 38863-9540
Document Number	2022000108
Instrument Date	Dec 29, 2021
Instrument	2022000108
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 VALLEY RD, PONTOTOC, MS 38863-9540

Mortgage

Document Number	2022000109
Date	Jan 5, 2022
Instrument	2022000109

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 10 Valley Rd was $1,204 with a homeowner's exemption.

Source: Pontotoc County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Pontotoc County
Unified School District	Pontotoc City Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,204.00 Homeowner's exemption	$9,068	$90,590 Land $14,950 Building $75,640
2023	$999.00 Homeowner's exemption Senior Citizen's exemption	$7,835	$78,263 Land $14,950 Building $63,313

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

Flood

FEMA maps place 10 Valley Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 19, 2010 · 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

Wildfire risk around 10 Valley Rd is low, with a 0.06% 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	0.06% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST PONTOTOC WATER ASSN public/private · serves 5,170 people · EPA ID MS0580002
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Tombigbee Fiber Fiber	2,000 / 1,000

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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