Lafayette County property record for 1160 E Wellsgate Dr, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,044 sqft · built 2004 |
| Lot Size | 0.591 acres (25,726 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $532,000 (Dec 2022) |
| Tax Bill | $3,962 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Sep 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146Y-23-187.00 |
| Primary APN | 146Y-23-187.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,044 sqft Living Area |
| 1st Floor Area | 2,260 sqft |
| 2nd Floor Area | 289 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick Veneer |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 25,726 sqft (0.591 acres) |
| Lot Dimensions | 198 ft deep x 129 ft wide |
| Patio Area | 308 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 19710 |
|---|---|
| Street Address | 1160 E WELLSGATE DR |
| City | OXFORD |
| State | MS |
| Zip | 38655-5951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 26 WELLSGATE PHASE II PREV APN: 088K-23-040 |
| Legal Range | 04W |
| Legal Township | 08S |
| Legal Section | 23 |
| Legal Subdivision | WELLSGATE PHASE II |
| Legal Phase | 2 |
| Legal Lot Number | 26 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 950404 |
1160 E Wellsgate Dr is owned and occupied by two individuals who bought it in December 2022.
Source: Lafayette County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1160 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Dec 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 30, 2022 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Feb 8, 2019 | Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST CO |
| Dec 9, 2020 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2022 · Amount on File |
| Deed Sale | Dec 14, 2022 · Amount on File |
| Prior Sale | Dec 9, 2020 · Amount on File |
| Deed Document Number | 202211321 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Dec 14, 2022 |
| Property Address | 1160 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 0202211321 |
| Map Reference | CAB B SL 31 |
| Instrument Date | Dec 12, 2022 |
| Instrument | 2022-11321 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1723B UNIVERSITY AVE # AVE319, AVE319, OXFORD, MS 38655-4109 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1160 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 0202211322 |
|---|---|
| Date | Dec 14, 2022 |
| Instrument | 2022-11322 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2030 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1160 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1160 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 0020229295 |
|---|---|
| Date | Sep 30, 2022 |
| Instrument | 2022-9295 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 25, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 1160 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201900969 |
|---|---|
| Date | Feb 8, 2019 |
| Instrument | 201900969 |
| Name | GUARANTY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | BATESVILLE, MS 38606 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jan 17, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Dec 9, 2020 |
| Property Address | 1160 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 202011787 |
| Map Reference | CAB B SL 31 |
| Instrument Date | Dec 7, 2020 |
| Instrument | 202011787 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 402 VAN BUREN AVE, 402, OXFORD, MS 38655-3836 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1160 E WELLSGATE DR, OXFORD, MS 38655-5951 |
| Document Number | 202011790 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 202011790 |
| Name | COMMUNITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 1160 E Wellsgate Dr was $3,962 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 | $3,962.00 Homeowner's exemption | $42,841 | $428,410 Land $70,000 Building $358,410 |
| 2023 | $3,190.00 Homeowner's exemption | $35,079 | $350,790 Land $70,000 Building $280,790 |
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.
FEMA maps place 1160 E Wellsgate Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 ft |
| 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 1160 E Wellsgate Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
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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