Lafayette County property record for 1148 E Wellsgate Dr, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,760 sqft · built 2002 |
| Lot Size | 0.505 acres (21,994 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $479,400 (Aug 2015) |
| Tax Bill | $5,012 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146Y-23-193.00 |
| Primary APN | 146Y-23-193.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Building Area | 3,760 sqft Living Area |
| 1st Floor Area | 2,650 sqft |
| 2nd Floor Area | 723 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick Veneer |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 21,994 sqft (0.505 acres) |
| Lot Dimensions | 194 ft deep x 125 ft wide |
| Pool Area | 648 sqft |
| Patio Area | 704 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 19731 |
|---|---|
| Street Address | 1148 E WELLSGATE DR |
| City | OXFORD |
| State | MS |
| Zip | 38655-5951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LOT 21 WELLSGATE PHASE II & PT SE1/4 SW1/4 NW1/4 BETWEEN LOTS 21 & 394 WELLSGATE PREV APN: 088K-23-046 |
| Legal Range | 04W |
| Legal Township | 08S |
| Legal Section | 23 |
| Legal Subdivision | WELLSGATE PHASE II |
| Legal Phase | 2 |
| Legal Lot Number | 21,394 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2005 |
| 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 | 1148 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Sep 26, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK |
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE CORP |
| Feb 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2015 · Amount on Record |
| Deed Sale | Aug 25, 2015 · Amount on Record |
| Deed Document Number | 20157867 |
| Prior Transfer Date | Oct 3, 2014 |
| Prior Transfer Doc | 0201408836 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1148 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1148 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 0020229077 |
|---|---|
| Date | Sep 26, 2022 |
| Instrument | 2022-9077 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1148 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202008947 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 202008947 |
| Name | COMMUNITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CORDOVA, TN 38018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1148 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202001782 |
|---|---|
| Date | Feb 28, 2020 |
| Instrument | 202001782 |
| Name | COMMUNITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CORDOVA, TN 38018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
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 | $5,012.00 (+24.74%) Homeowner's exemption | $53,398 (+23.02%) | $533,980 (+23.02%) Land $70,000 Building $463,980 |
| 2023 | $4,018.00 Homeowner's exemption | $43,405 | $434,050 Land $70,000 Building $364,050 |
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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