105 Rayner Rd, Oxford, MS 38655 Property Records

Lafayette County property record for 105 Rayner Rd, Oxford, MS 38655

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,688 sqft · built 1988
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,225 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`134M-19-013.00`

Property Details

APN / Parcel Number

Primary APN	`134M-19-013.00`
Alternative APNs	`087K-19-007-B` `15100`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	4,688 sqft Living Area
1st Floor Area	2,874 sqft
2nd Floor Area	962 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Pool Area	512 sqft
Deck Area	336 sqft
Patio Area	640 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	15100
Street Address	105 RAYNER RD
City	OXFORD
State	MS
Zip	38655-2522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE1/4 NW1/4 PREV APN: 087K-19-007-B
Legal Range	03W
Legal Township	08S
Legal Section	19
Jurisdiction	LAFAYETTE MS
Township / Civil Division	4
Census Block Group	1
Census Block	1006
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	2 Individual Names on Record
Mailing Address	105 RAYNER RD, OXFORD, MS 38655-2522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF COMMERCE
Feb 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Aug 2, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 28, 2019
Transfer Doc	201906098
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	105 RAYNER RD, OXFORD, MS 38655-2522
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 RAYNER RD, OXFORD, MS 38655-2522

Mortgage

Document Number	0020261636
Date	Mar 3, 2026
Instrument	2026-1636

Lender

Name	BANK OF COMMERCE
Type	Bank
Address	GREENWOOD, MS 38935

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	105 RAYNER RD, OXFORD, MS 38655-2522
Transaction Type	Mortgage
Record Updated	Feb 14, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000922
Date	Feb 3, 2020
Instrument	202000922

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAFAYETTE MS
Recording Date	Aug 2, 2019
Property Address	105 RAYNER RD, OXFORD, MS 38655-2522
Document Number	201906098
Instrument Date	Jul 28, 2019
Instrument	201906098
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	105 RAYNER RD, OXFORD, MS 38655-2522

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	$8,225.00 Senior Citizen's exemption	$87,671 (+20.13%)	$876,710 (+20.13%) Land $180,000 Building $696,710
2023	$8,225.00 Senior Citizen's exemption	$72,983	$729,830 Land $180,000 Building $549,830

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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