104 Rayner Rd, Oxford, MS 38655 Property Records

Lafayette County property record for 104 Rayner Rd, Oxford, MS 38655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 6,958 sqft · built 1978
Lot Size	1.09 acres (47,813 sqft)
Owner	Individual Name on Record
Tax Bill	$7,624 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Aug 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`134M-19-018.00`

Property Details

APN / Parcel Number

Primary APN	`134M-19-018.00`
Alternative APNs	`087K-19-003` `6639`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	6,958 sqft Living Area
1st Floor Area	6,243 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Other
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,813 sqft (1.09 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	6639
Street Address	104 RAYNER RD
City	OXFORD
State	MS
Zip	38655-2521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT S1/2 NE1/4 NW1/4 PREV APN: 087K-19-003
Legal Range	03W
Legal Township	08S
Legal Section	19
Legal Subdivision	TATUM SUBDIVISION
Jurisdiction	LAFAYETTE MS
Township / Civil Division	4
Census Block Group	1
Census Block	1005
Census Tract	950304

Owner

Source: Lafayette County records, as of April 28, 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 Record
Mailing Address	104 RAYNER RD, OXFORD, MS 38655-2521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage · Line of Credit FNB OXFORD BANK
Aug 10, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 10, 2020
Transfer Doc	0202007274
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	104 RAYNER RD, OXFORD, MS 38655-2521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202007660
Date	Aug 19, 2020
Instrument	202007660

Lender

Name	FNB OXFORD BANK
Type	Bank
Address	OXFORD, MS 38655

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 20, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAFAYETTE MS
Recording Date	Aug 10, 2020
Property Address	104 RAYNER RD, OXFORD, MS 38655-2521
Document Number	0202007274
Instrument Date	Aug 10, 2020
Instrument	202007274
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 389, OXFORD, MS 38655-0389

Tax Assessment & Valuation

Source: Lafayette County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Lafayette County
Municipality	Oxford City
Unified School District	Oxford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,624.00 (+7.05%) Senior Citizen's exemption	$87,527 (+33.26%)	$875,270 (+33.26%) Land $150,000 Building $725,270
2023	$7,122.00 Senior Citizen's exemption	$65,680	$656,800 Land $150,000 Building $506,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2020 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · above 64% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	CITY OF OXFORD serves 28,500 people · EPA ID MS0360011
Water Source	Groundwater
Last State Inspection	Aug 2021
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 48 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
C Spire Wireless Fiber · Fixed Wireless in parts of the area	8,000 / 8,000
North East Fiber Fiber	2,000 / 1,000

May also be available: AT&T.

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