Lafayette County property record for 1157 E Wellsgate Dr, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,649 sqft · built 2015 |
| Lot Size | 0.8 acres (34,633 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $518,600 (May 2017) |
| Tax Bill | $1,622 (2019) |
| Deeds & Mortgages | Jul 2026 Line of Credit Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146Y-23-176.00 |
| Primary APN | 146Y-23-176.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,649 sqft Living Area |
| 1st Floor Area | 2,073 sqft |
| 2nd Floor Area | 1,039 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 34,633 sqft (0.8 acres) |
| Lot Dimensions | 176 ft deep x 196 ft wide |
| Pool Area | 512 sqft |
| Patio Area | 490 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 19700 |
|---|---|
| Street Address | 1157 E WELLSGATE DR |
| City | OXFORD |
| State | MS |
| Zip | 38655-5952 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 34 WELLSGATE PHASE II PREV APN: 088K-23-030 |
| Legal Range | 04W |
| Legal Township | 08S |
| Legal Section | 23 |
| Legal Subdivision | WELLSGATE PHASE II |
| Legal Phase | 2 |
| Legal Lot Number | 34 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950404 |
Source: Lafayette County records, as of July 16, 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 | 1157 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF COMMERCE |
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| May 31, 2017 | Warranty Deed, Transfer · VA Mortgage BANKFIRST FINANCIAL SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2017 · Amount on Record |
| Deed Sale | May 31, 2017 · Amount on Record |
| Prior Sale | Apr 21, 2015 · Amount on Record |
| Deed Document Number | 20174440 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Jul 9, 2026 |
| Property Address | 1157 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Document Number | 0000006037 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 20266037 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1157 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Investor | Possibly a Property Investor |
| Document Number | 0000006037, |
|---|---|
| Date | Jul 9, 2026 |
| Instrument | 20266037 |
| Name | BANK OF COMMERCE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 2, 2036 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1157 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202012497 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 202012497 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1157 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2020 |
| Name | Verified Name |
|---|
| Document Number | 202000596 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 202000596 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | May 31, 2017 |
| Property Address | 1157 E WELLSGATE DR, OXFORD, MS 38655-5952 |
| Document Number | 201704440 |
| Map Reference | CAB B SL 31 |
| Instrument Date | Feb 21, 2017 |
| Instrument | 201704440 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1157 EAST WELLSGALE DR, OXFORD, MS 38655-5952 |
| Investor | Possibly a Property Investor |
| Document Number | 201704441 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 201704441 |
| Name | BANKFIRST FINANCIAL SERVICES |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 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 | $58,423 (+20.69%) | $584,230 (+20.69%) Land $90,000 Building $494,230 | |
| 2023 | $48,409 | $484,090 Land $90,000 Building $394,090 | |
| 2019 | $1,622.00 |
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.
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 | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures