108 Rayner Rd, Oxford, MS 38655 Property Records

Lafayette County property record for 108 Rayner Rd, Oxford, MS 38655

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 6,099 sqft · built 1980
Lot Size	3.03 acres (132,225 sqft)
Owner	Individual Name on Record
Last Sale	$972,200 (Nov 2012)
Tax Bill	$12,555 (2025)
Deeds & Mortgages	May 2024 Line of Credit Feb 2018 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`134M-19-015.00`

Property Details

APN / Parcel Number

Primary APN	`134M-19-015.00`
Alternative APNs	`087K-19-005` `6641`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	6,099 sqft Living Area
1st Floor Area	3,111 sqft
2nd Floor Area	888 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Other
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Lot Area	132,225 sqft (3.03 acres)
Lot Dimensions	645 ft deep x 205 ft wide
Pool Area	1,000 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	6641
Street Address	108 RAYNER RD
City	OXFORD
State	MS
Zip	38655-2521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FR NE1/4 OF NE1/4 ON N SIDE RAYNER RD PREV APN: 087K-19-005
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 October 20, 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	108 RAYNER RD, OXFORD, MS 38655-2521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2024	Deed of Trust, Mortgage · Line of Credit FNB OXFORD BANK
Feb 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK
Sep 21, 2017	Deed of Trust, Mortgage · Commercial Mortgage FNB OXFORD BANK
Apr 3, 2018	Deed of Trust, Mortgage · Commercial Mortgage FNB OXFORD BANK
Feb 15, 2018	Deed of Trust, Mortgage · Commercial Mortgage FNB OXFORD BANK
Feb 15, 2019	Deed of Trust, Mortgage · Commercial Mortgage FNB OXFORD BANK
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2012 · Amount on Record
Deed Sale	Nov 19, 2012 · Amount on Record
Deed Document Number	201210394
Prior Transfer Date	May 24, 2006
Prior Transfer Doc	200605299
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	108 RAYNER RD, OXFORD, MS 38655-2521
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 RAYNER RD, OXFORD, MS 38655-2521

Mortgage

Document Number	0020243690
Date	May 14, 2024
Instrument	2024-3690

Lender

Name	FNB OXFORD BANK
Type	Bank
Address	OXFORD, MS 38655

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	May 6, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	108 RAYNER RD, OXFORD, MS 38655-2521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201801025
Date	Feb 9, 2018
Instrument	201801025

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	108 RAYNER RD, OXFORD, MS 38655-2521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201708474
Date	Sep 21, 2017
Instrument	201708474

Lender

Name	FNB OXFORD BANK
Type	Bank
Address	OXFORD, MS 38655

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 20, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	108 RAYNER RD, OXFORD, MS 38655-2521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201802534
Date	Apr 3, 2018
Instrument	201802534

Lender

Name	FNB OXFORD BANK
Type	Bank
Address	00000

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	82 Months
Due	Feb 20, 2025

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	108 RAYNER RD, OXFORD, MS 38655-2521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201801171
Date	Feb 15, 2018
Instrument	201801171

Lender

Name	FNB OXFORD BANK
Type	Bank
Address	OXFORD, MS 38655

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Feb 15, 2025

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	108 RAYNER RD, OXFORD, MS 38655-2521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201901171
Date	Feb 15, 2019
Instrument	201901171

Lender

Name	FNB OXFORD BANK
Type	Bank
Address	OXFORD, MS 38655

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Feb 15, 2025

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	108 RAYNER RD, OXFORD, MS 38655-2521
Transaction Type	Mortgage
Record Updated	Apr 9, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202002379
Date	Mar 17, 2020
Instrument	202002379

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38804

Agreement

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

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	$12,555.00 (+20.61%) Homeowner's exemption	$98,808 (+20.03%)	$988,080 (+20.03%) Land $200,000 Building $788,080
2023	$10,410.00 Homeowner's exemption	$82,320	$823,200 Land $200,000 Building $623,200

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.

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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