Lafayette County property record for 1140 E Wellsgate Dr, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,134 sqft · built 2004 |
| Lot Size | 0.626 acres (27,273 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $25,200 (Jan 2017) |
| Tax Bill | $5,442 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146Y-23-199.00 |
| Primary APN | 146Y-23-199.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 4,134 sqft Living Area |
| 1st Floor Area | 2,174 sqft |
| 2nd Floor Area | 1,527 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Other |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,273 sqft (0.626 acres) |
| Lot Dimensions | 184 ft deep x 229 ft wide |
| Pool Area | 512 sqft |
| Deck Area | 240 sqft |
| Patio Area | 450 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 19754 |
|---|---|
| Street Address | 1140 E WELLSGATE DR |
| City | OXFORD |
| State | MS |
| Zip | 38655-5951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17 WELLSGATE PHASE I & PT E1/2 NE1/4 NW1/4 SW1/4 PREV APN: 088Q-23-043 |
| Legal Range | 04W |
| Legal Township | 08S |
| Legal Section | 23 |
| Legal Subdivision | WELLSGATE PHASE I |
| Legal Phase | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950404 |
1140 E Wellsgate Dr is owned and occupied by two individuals who bought it in January 2017.
Source: Lafayette County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1140 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| 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 |
|---|---|
| May 24, 2023 | Deed of Trust, Mortgage MECHANICS BANK |
| Mar 29, 2022 | Deed of Trust, Mortgage MECHANICS BANK |
| Dec 6, 2019 | Deed of Trust, Mortgage MECHANICS BANK |
| Jan 30, 2017 | Warranty Deed, Transfer · Commercial Mortgage GUARANTY BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2017 · Amount on File |
| Deed Sale | Jan 30, 2017 · Amount on File |
| Deed Document Number | 2017735 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1140 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1140 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 0020233813 |
|---|---|
| Date | May 24, 2023 |
| Instrument | 2023-3813 |
| Name | MECHANICS BANK |
|---|---|
| Type | Bank |
| Address | WATER VALLEY, MS 38965 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | May 17, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1140 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1140 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 0020222858 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 2022-2858 |
| Name | MECHANICS BANK |
|---|---|
| Type | Bank |
| Address | WATER VALLEY, MS 38965 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Mar 4, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1140 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201910180 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 201910180 |
| Name | MECHANICS BANK |
|---|---|
| Type | Bank |
| Address | WATER VALLEY, MS 38965 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Dec 5, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Jan 30, 2017 |
| Property Address | 1140 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 201700735 |
| Instrument Date | Jan 27, 2017 |
| Instrument | 201700735 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1140 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 201700736 |
|---|---|
| Date | Jan 30, 2017 |
| Instrument | 201700736 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 15, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1140 E Wellsgate Dr was $5,442 with a homeowner's exemption.
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 | $5,442.00 Homeowner's exemption | $57,720 | $559,700 Land $70,000 Building $489,700 |
| 2023 | $4,485.00 Homeowner's exemption | $48,101 | $463,510 Land $70,000 Building $393,510 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1140 E Wellsgate Dr 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 |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 1140 E Wellsgate Dr is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · above 77% 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.
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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