Lafayette County property record for 1115 E Wellsgate Dr, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 5,689 sqft · built 2016 |
| Lot Size | 0.697 acres (30,373 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $9,491 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Apr 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146Y-23-112.00 |
| Primary APN | 146Y-23-112.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 5,689 sqft Living Area |
| 1st Floor Area | 2,923 sqft |
| 2nd Floor Area | 1,745 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 30,373 sqft (0.697 acres) |
| Lot Dimensions | 252 ft deep x 120 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 19674 |
|---|---|
| Street Address | 1115 E WELLSGATE DR |
| City | OXFORD |
| State | MS |
| Zip | 38655-5952 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 85 WELLSGATE PHASE I PREV APN: 088Q-23-005 |
| Legal Range | 04W |
| Legal Township | 08S |
| Legal Section | 23 |
| Legal Subdivision | WELLSGATE PHASE I |
| Legal Phase | 1 |
| Legal Lot Number | 85 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950404 |
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 | 1115 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2023 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Apr 28, 2017 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Apr 11, 2017 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Mar 8, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2012 |
| Deed Sale | Jun 14, 2012 |
| Deed Document Number | 20124945 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1115 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1115 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Document Number | 0202300936 |
|---|---|
| Date | Feb 9, 2023 |
| Instrument | 2023-00936 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38804 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 26, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1115 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201703318 |
|---|---|
| Date | Apr 28, 2017 |
| Instrument | 201703318 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Mar 26, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1115 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201702793 |
|---|---|
| Date | Apr 11, 2017 |
| Instrument | 201702793 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Mar 26, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1115 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201701878 |
|---|---|
| Date | Mar 8, 2017 |
| Instrument | 201701878 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
Source: Lafayette County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lafayette County |
| Unified School District | Oxford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,491.00 (+24.96%) Homeowner's exemption | $98,419 (+24.02%) | $984,190 (+24.02%) Land $100,000 Building $884,190 |
| 2023 | $7,595.00 Homeowner's exemption | $79,357 | $793,570 Land $100,000 Building $693,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 12 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 154 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 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| North East Fiber Fiber | 2,000 / 1,000 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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