Lafayette County property record for 106 Rayner Rd, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 7,749 sqft · built 1977 |
| Lot Size | 5.39 acres (234,870 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,600,000 (Nov 2013) |
| Tax Bill | $20,347 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Nov 2013 Mortgage + 9 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 134M-19-016.01 |
| Primary APN | 134M-19-016.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 7,749 sqft Living Area |
| 1st Floor Area | 4,018 sqft |
| 2nd Floor Area | 1,872 sqft |
| Flooring | Hardwood |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick Veneer |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 234,870 sqft (5.39 acres) |
| Pool Area | 700 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 35089 |
|---|---|
| Street Address | 106 RAYNER RD |
| City | OXFORD |
| State | MS |
| Zip | 38655-2521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT NE1/4 NW1/4 |
| Legal Range | 03W |
| Legal Township | 08S |
| Legal Section | 19 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 950304 |
106 Rayner Rd is owned and occupied by an individual who bought it in November 2013.
Source: Lafayette County records, as of August 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
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 |
|---|---|
| Sep 16, 2026 | Deed of Trust, Mortgage · Line of Credit FNB OXFORD BANK |
| Nov 8, 2013 | Deed of Trust, Mortgage FNB OXFORD BANK |
| Apr 22, 2026 | Deed of Trust, Mortgage · Line of Credit FNB OXFORD BANK |
| Oct 31, 2019 | Deed of Trust, Mortgage · Commercial Mortgage TRUSTMARK NATIONAL BANK |
| May 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BANK |
| May 19, 2023 | Deed of Trust, Mortgage · Line of Credit FNB OXFORD BANK |
| Mar 31, 2015 | Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST |
| Oct 7, 2013 | Deed of Trust, Mortgage · Line of Credit FNB OXFORD BANK |
| Nov 8, 2013 | Deed of Trust, Mortgage BRUCE LEVINGSTON |
| Jan 22, 2026 | Condominium Deed, Transfer |
| May 17, 2022 | Special Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2013 · Amount on File |
| Deed Sale | Nov 8, 2013 · Amount on File |
| Deed Document Number | 201310861 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Sep 16, 2026 |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Document Number | 0000008776 |
| Instrument Date | Sep 9, 2026 |
| Instrument | 20268776 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Document Number | 0000008776, |
|---|---|
| Date | Sep 16, 2026 |
| Instrument | 20268776 |
| Name | FNB OXFORD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201310862 |
|---|---|
| Date | Nov 8, 2013 |
| Instrument | 201310862 |
| Name | FNB OXFORD BANK |
|---|---|
| Type | Non-Lending Institution |
| Address | OXFORD, MS 38655 |
| Amount | Amount on Record |
|---|---|
| Term | 12 Months |
| Due | Nov 10, 2014 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Apr 22, 2026 |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Document Number | 0000003156 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 20263156 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Document Number | 0000003156, |
|---|---|
| Date | Apr 22, 2026 |
| Instrument | 20263156 |
| Name | FNB OXFORD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 20, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201909088 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 201909088 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 9, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0202004549 |
|---|---|
| Date | May 29, 2020 |
| Instrument | 202004549 |
| Name | PARAMOUNT BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Document Number | 0020233662 |
|---|---|
| Date | May 19, 2023 |
| Instrument | 2023-3662 |
| Name | FNB OXFORD BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201502517 |
|---|---|
| Date | Mar 31, 2015 |
| Instrument | 201502517 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201309893 |
|---|---|
| Date | Oct 7, 2013 |
| Instrument | 201309893 |
| Name | FNB OXFORD BANK |
|---|---|
| Type | Non-Lending Institution |
| Address | OXFORD, MS 38655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 7, 2014 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201310863 |
|---|---|
| Date | Nov 8, 2013 |
| Instrument | 201310863 |
| Name | BRUCE LEVINGSTON |
|---|---|
| Type | Private Party |
| Address | 108 RAYNER RD, OXFORD, MS 38655 |
| Amount | Amount on Record |
|---|---|
| Term | 29 Months |
| Due | Apr 8, 2016 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Jan 22, 2026 |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Document Number | 0202600591 |
| Map Reference | DOC 2025-1942 |
| Instrument Date | Jan 20, 2026 |
| Instrument | 2026-00591 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 HIGHWAY 328, OXFORD, MS 38655-9612 |
| Name | Verified Name |
|---|---|
| Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | May 17, 2022 |
| Property Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
| Document Number | 0020224612 |
| Map Reference | CAB B SL 101 |
| Instrument Date | May 17, 2022 |
| Instrument | 2022-4612 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1110 N LAMAR BLVD, OXFORD, MS 38655-2844 |
| Name | Verified Name |
|---|---|
| Address | 106 RAYNER RD, OXFORD, MS 38655-2521 |
The 2025 property tax bill for 106 Rayner Rd was $20,347 with a homeowner's exemption.
Source: Lafayette County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lafayette County |
| Municipality | Oxford City |
| Unified School District | Oxford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $20,347.00 Homeowner's exemption | $158,696 | $1,525,560 Land $300,000 Building $1,225,560 |
| 2023 | $16,365.00 Homeowner's exemption | $128,091 | $1,235,360 Land $300,000 Building $935,360 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 106 Rayner Rd in Zone X, an area of minimal flood risk.
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 risk around 106 Rayner Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 55% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 47 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 |
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