128 Calloway Loop, Pontotoc, MS 38863 Property Records

Pontotoc County property record for 128 Calloway Loop, Pontotoc, MS 38863

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 5,041 sqft · built 2022
Lot Size	2.43 acres (105,851 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,159 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`115-22-000-002.18`

Property Details

APN / Parcel Number

Primary APN	`115-22-000-002.18`
Alternative APN	`3105`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,041 sqft Living Area
2nd Floor Area	1,163 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	105,851 sqft (2.43 acres)
Garage Type	Carport
Carport	Carport
Carport Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	3105
Street Address	128 CALLOWAY LOOP
City	PONTOTOC
State	MS
Zip	38863-6102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.43 AC NE1/4 DB 446-227 1/87 438-233; 462-489 20021582 3/27/02 20055244 10/13/05 20064237 8/17/06 20124072 9/18/12
Jurisdiction	PONTOTOC MS
Township / Civil Division	4
Census Block Group	4
Census Block	4013
Census Tract	950400

Owner

Source: Pontotoc County records, as of October 30, 2025

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	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2020	Deed of Trust, Mortgage · Line of Credit OXFORD UNIVERSITY BANK
Jan 5, 2022	Deed of Trust, Mortgage BNA BANK
Jun 2, 2021	Deed of Trust, Mortgage OXFORD UNIVERSITY BANK
Jun 27, 2022	Deed of Trust, Mortgage BNA BANK
Aug 4, 2023	Deed of Trust, Mortgage · Line of Credit OXFORD UNIVERSITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102

Mortgage

Document Number	2020002605
Date	Jul 23, 2020
Instrument	2020002605

Lender

Name	OXFORD UNIVERSITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	18 Months
Due	Jan 5, 2022

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102
Investor	Possibly a Property Investor

Mortgage

Document Number	2022000114
Date	Jan 5, 2022
Instrument	2022000114

Lender

Name	BNA BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	1 Months
Due	Feb 20, 2022

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102

Mortgage

Document Number	2021002322
Date	Jun 2, 2021
Instrument	2021002322

Lender

Name	OXFORD UNIVERSITY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	11 Months
Due	May 10, 2022

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102

Mortgage

Document Number	2022002722
Date	Jun 27, 2022
Instrument	2022002722

Lender

Name	BNA BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2052

Interest

Rate Type	Adjustable Rate

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CALLOWAY LOOP, PONTOTOC, MS 38863-6102

Mortgage

Document Number	2023003399
Date	Aug 4, 2023
Instrument	2023003399

Lender

Name	OXFORD UNIVERSITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	35 Months
Due	Jul 3, 2026

Tax Assessment & Valuation

Source: Pontotoc County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Pontotoc County
Unified School District	Pontotoc County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,159.00 (-17.76%) Homeowner's exemption	$40,358 (-17.75%)	$403,376 (-17.57%) Land $10,100 Building $393,276
2023	$6,273.00 Homeowner's exemption	$49,070	$489,381 Land $10,100 Building $479,281

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 19, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 80% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PONTOTOC serves 9,398 people · EPA ID MS0580006
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber	10,000 / 10,000
Tombigbee Fiber Fiber	2,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Fulton Telephone Company.

Cell Coverage

5G (outdoors only) and 4G LTE

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