Lafayette County property record for 118 Peyton Cir, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,536 sqft · built 1999 |
| Lot Size | 0.402 acres (17,527 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $479,750 (Sep 2026) |
| Tax Bill | $5,409 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 182Y-09-183.00 |
| Primary APN | 182Y-09-183.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Building Area | 2,536 sqft Living Area |
| 1st Floor Area | 1,518 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick Veneer |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,527 sqft (0.402 acres) |
| Lot Dimensions | 174 ft deep x 100 ft wide |
| Patio Area | 296 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 19176 |
|---|---|
| Street Address | 118 PEYTON CIR |
| City | OXFORD |
| State | MS |
| Zip | 38655-8111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 64 SOUTH OAKS S/D 1ST ADD PHASE I |
| Legal Range | 03W |
| Legal Township | 09S |
| Legal Section | 09 |
| Legal Subdivision | SOUTH OAKS SD |
| Legal Phase | 1 |
| Legal Lot Number | 64 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 950505 |
118 Peyton Cir is owned and occupied by two individuals who bought it in September 2026.
Source: Lafayette County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 118 PEYTON CIR, OXFORD, MS 38655-8111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband 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 |
|---|---|
| Sep 2, 2026 | Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION |
| Sep 6, 2022 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Oct 30, 2018 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Sep 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage BANCORPSOUTH BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2026 · Amount on File |
| Deed Sale | Sep 2, 2026 · Amount on File |
| Prior Sale | Sep 6, 2022 · Amount on File |
| Deed Document Number | 20268279 |
| Prior Transfer Date | Apr 7, 2012 |
| Prior Transfer Doc | 201202808 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Sep 2, 2026 |
| Property Address | 118 PEYTON CIR, OXFORD, MS 38655-8111 |
| Document Number | 0000008279 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 20268279 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 PEYTON CIR, OXFORD, MS 38655-8111 |
| Document Number | 0000008281, |
|---|---|
| Date | Sep 2, 2026 |
| Instrument | 20268281 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Sep 6, 2022 |
| Property Address | 118 PEYTON CIR, OXFORD, MS 38655-8111 |
| Document Number | 0202208404 |
| Instrument Date | Aug 31, 2022 |
| Instrument | 2022-08404 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1628 CHO O ST, 1628, OXFORD, MS 38655 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 118 PEYTON CIR, OXFORD, MS 38655-8111 |
| Investor | Possibly a Property Investor |
| Document Number | 0202208415 |
|---|---|
| Date | Sep 6, 2022 |
| Instrument | 2022-08415 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10% |
| Index | Other |
| Max Rate | 10% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 118 PEYTON CIR, OXFORD, MS 38655-8111 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201809180 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 201809180 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Nov 26, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Sep 3, 2019 |
| Property Address | 118 PEYTON CIR, OXFORD, MS 38655-8111 |
| Document Number | 201907127 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 201907127 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 118 PEYTON CIR, 118, OXFORD, MS 38655-8111 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 118 PEYTON CIR, OXFORD, MS 38655-8111 |
| Document Number | 201907129 |
|---|---|
| Date | Sep 3, 2019 |
| Instrument | 201907129 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 118 Peyton Cir was $5,409.
Source: Lafayette County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lafayette County |
| Municipality | Oxford City |
| Unified School District | Oxford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,409.00 | $41,576 | $277,170 Land $45,000 Building $232,170 |
| 2023 | $4,269.00 | $32,816 | $218,770 Land $45,000 Building $173,770 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 118 Peyton Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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 |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2015 · rainfall accumulation |
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 118 Peyton Cir is moderate, ranking above 50% 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 50% of the US · above 55% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF OXFORD serves 28,500 people · EPA ID MS0360011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2021 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber · Fixed Wireless in parts of the area | 8,000 / 8,000 |
| North East Fiber Fiber | 2,000 / 1,000 |
| Buckeye Cablesystem Cable · Fiber in parts of the area | 1,000 / 20 |
| AT&T DSL | 100 / 20 |
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