Clay County property record for 109 Curtis Orman Rd, West Point, MS 39773
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 9,359 sqft · built 1985 |
| Lot Size | 12.2 acres (534,046 sqft) |
| Owner | Individual Name on File |
| Last Sale | $625,200 (Jul 2006) |
| Tax Bill | $5,486 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 092D 25A 0020300 |
| Primary APN | 092D 25A 0020300 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Total Rooms | 12 Rooms |
| Building Area | 9,359 sqft Finished Area |
| 1st Floor Area | 5,398 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 534,046 sqft (12.2 acres) |
| Garage Area | 900 sqft |
| Street Address | 109 CURTIS ORMAN RD |
|---|---|
| City | WEST POINT |
| State | MS |
| Zip | 39773-5045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 25 T 17 R 06 12.26 AC IN NW 1/4 NE 1/4 DB 252/453 |
| Legal Range | 06E |
| Legal Township | 17 |
| Legal Section | 25 |
| Jurisdiction | CLAY MS |
| Township / Civil Division | 2 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950500 |
109 Curtis Orman Rd is owned and occupied by an individual who bought it in July 2006.
Source: Clay County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 CURTIS ORMAN RD, WEST POINT, MS 39773-5045 |
| 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 |
|---|---|
| Jul 1, 2020 | Deed of Trust, Mortgage BANCORPSOUTH BANK |
| Mar 17, 2021 | Deed of Trust, Mortgage BANCORPSOUTH BANK |
| Apr 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2006 · Amount on File |
| Deed Sale | Jul 3, 2006 · Amount on File |
| Deed Book / Page | 252 / 453 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 109 CURTIS ORMAN RD, WEST POINT, MS 39773-5045 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000523/754 |
|---|---|
| Date | Jul 1, 2020 |
| Book Page | 523/754 |
| Instrument | 2020003472 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Amount | Amount on Record |
|---|---|
| Term | 17 Months |
| Due | Dec 9, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 109 CURTIS ORMAN RD, WEST POINT, MS 39773-5045 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000531/453 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 531/453 |
| Instrument | 2021000878 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Amount | Amount on Record |
|---|---|
| Term | 10 Months |
| Due | Jan 24, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 109 CURTIS ORMAN RD, WEST POINT, MS 39773-5045 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000543/620 |
|---|---|
| Date | Apr 18, 2022 |
| Book Page | 543/620 |
| Instrument | 2022001510 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 5, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year CMT |
The 2025 property tax bill for 109 Curtis Orman Rd was $5,486 with exemptions applied.
Source: Clay County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Clay County |
| Municipality | West Point City |
| Unified School District | West Point Consolidated School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,486.00 Additional exemption filed | $98,838 (-2.88%) Land $3,635 Building $95,203 | $984,905 (-1.94%) Land $35,665 Building $949,240 |
| 2024 | $101,768 (+16.71%) Land $3,634 Building $98,134 | $1,004,437 (+16.66%) Land $35,658 Building $968,779 | |
| 2023 | $12,750.00 (+1.11%) Additional exemption filed | $87,197 Land $3,639 Building $83,558 | $861,001 Land $35,694 Building $825,307 |
| 2022 | $12,610.00 |
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 109 Curtis Orman Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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 | 2 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 109 Curtis Orman Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 90% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| 4-County Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
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