Lafayette County property record for 1144 E Wellsgate Dr, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,357 sqft · built 2004 |
| Lot Size | 0.909 acres (39,577 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $675,640 (Apr 2026) |
| Tax Bill | $2,828 (2025) |
| Deeds & Mortgages | Jan 2013 Reverse Mortgage Jan 2005 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146Y-23-197.00 |
| Primary APN | 146Y-23-197.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,357 sqft Living Area |
| 1st Floor Area | 2,040 sqft |
| 2nd Floor Area | 840 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 39,577 sqft (0.909 acres) |
| Lot Dimensions | 268 ft deep x 147 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 19738 |
|---|---|
| Street Address | 1144 E WELLSGATE DR |
| City | OXFORD |
| State | MS |
| Zip | 38655-5951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 & PT ABANDONED ROAD WELLSGATE PHASE II PREV APN: 088K-23-050 |
| Legal Range | 04W |
| Legal Township | 08S |
| Legal Section | 23 |
| Legal Subdivision | WELLSGATE PHASE II |
| Legal Phase | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950404 |
Source: Lafayette County records, as of May 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1144 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 8, 2013 | Deed of Trust, Mortgage · Reverse Mortgage SECURITY ONE LENDING |
| Jan 21, 2005 | Deed of Trust, Mortgage · Line of Credit OXFORD UNIVERSITY BANK |
| Apr 15, 2009 | Deed of Trust, Mortgage · Line of Credit OXFORD UNIVERSITY BANK |
| Apr 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage FNB OXFORD BANK |
| Apr 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage FNB OXFORD BANK |
| May 7, 2013 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2026 · Amount on Record |
| Deed Sale | Apr 29, 2026 · Amount on Record |
| Deed Document Number | 20263372 |
| Prior Transfer Date | Apr 26, 2013 |
| Prior Transfer Doc | 0201303981 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1144 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2026 |
| Title Company | RUCKETT LAND TITLE INC, LUCKETT LAND TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0201300257 |
|---|---|
| Date | Jan 8, 2013 |
| Instrument | 201300257 |
| Name | SECURITY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 888 Months |
| Due | Jan 21, 2087 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1144 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200500752 |
|---|---|
| Date | Jan 21, 2005 |
| Instrument | 200500752 |
| Name | OXFORD UNIVERSITY BANK |
|---|---|
| Address | OXFORD, MS 38655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Dec 25, 2009 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1144 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200902929 |
|---|---|
| Date | Apr 15, 2009 |
| Instrument | 200902929 |
| Name | OXFORD UNIVERSITY BANK |
|---|---|
| Address | OXFORD, MS 38655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Mar 25, 2014 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Apr 29, 2026 |
| Property Address | 1144 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 0000003372 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 2026.3372 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1144 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003373, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 2026..3373 |
| Name | FNB OXFORD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 29, 2031 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Apr 29, 2026 |
| Property Address | 1144 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 0202603372 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 20263372 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1144 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003373, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20263373 |
| Name | FNB OXFORD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 29, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | May 7, 2013 |
| Property Address | 1144 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 0201303981 |
| Instrument Date | Apr 26, 2013 |
| Instrument | 201303981 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1022 HIGHLAND COLONY PKWY STE 300, 300, RIDGELAND, MS 39157-2049 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1300 ACCESS RD STE 100, 100, OXFORD, MS 38655-5211 |
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 | $2,828.00 Senior Citizen's exemption | $44,223 (+22.09%) | $442,230 (+22.09%) Land $70,000 Building $372,230 |
| 2023 | $2,828.00 Senior Citizen's exemption | $36,222 | $362,220 Land $70,000 Building $292,220 |
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.
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 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 | Moderate above 51% of the US · above 59% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% 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 86 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 | 5,000 / 5,000 |
| North East Fiber Fiber | 2,000 / 1,000 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
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