Lafayette County property record for 118 Vail Dr, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,410 sqft · built 2016 |
| Lot Size | 0.55 acres (24,130 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $4,019 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146R-24-157.00 |
| Primary APN | 146R-24-157.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,410 sqft Living Area |
| 1st Floor Area | 868 sqft |
| 2nd Floor Area | 470 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,130 sqft (0.55 acres) |
| Lot Dimensions | 92.1 ft deep x 26.2 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 23977 |
|---|---|
| Street Address | 118 VAIL DR |
| City | OXFORD |
| State | MS |
| Zip | 38655-2681 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 49 ASPEN RIDGE S/D PREV APN: 087P-24-141 |
| Legal Range | 04W |
| Legal Township | 08S |
| Legal Section | 24 |
| Legal Subdivision | ASPEN RIDGE SD |
| Legal Lot Number | 49 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950304 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 7 COUNTY ROAD 282, IUKA, MS 38852-8421 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Mar 22, 2017 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Sep 12, 2023 | Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA |
| Feb 23, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CADENCE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2016 |
| Deed Sale | Dec 30, 2016 |
| Deed Document Number | 201612764 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Aug 20, 2026 |
| Property Address | 118 VAIL DR, OXFORD, MS 38655-2681 |
| Document Number | 0000007762 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 20267762 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0000007762, |
|---|---|
| Date | Aug 20, 2026 |
| Instrument | 20267762 |
| Name | COMMERCE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 13, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 118 VAIL DR, OXFORD, MS 38655-2681 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0201702238 |
|---|---|
| Date | Mar 22, 2017 |
| Instrument | 201702238 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Feb 15, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 118 VAIL DR, OXFORD, MS 38655-2681 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0020237144 |
|---|---|
| Date | Sep 12, 2023 |
| Instrument | 2023-7144 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | CORINTH, MS 38834 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 8, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 118 VAIL DR, OXFORD, MS 38655-2681 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0020241348 |
|---|---|
| Date | Feb 23, 2024 |
| Instrument | 2024-1348 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | CORINTH, MS 38834 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 17, 2044 |
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 | $4,019.00 (+20.69%) | $30,894 (+20.67%) | $205,960 (+20.68%) Land $40,000 Building $165,960 |
| 2023 | $3,330.00 | $25,601 | $170,670 Land $40,000 Building $130,670 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 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 | Low lower than 65% of the US · lower than 82% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 253 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Buckeye Cablesystem Fiber · Cable | 10,000 / 10,000 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| North East Fiber Fiber | 2,000 / 1,000 |
| C Spire Wireless Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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