1294 Lone Oak Dr, West Point, MS 39773 Property Records

Clay County property record for 1294 Lone Oak Dr, West Point, MS 39773

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,704 sqft · built 2007
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Tax Bill	$473 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`061C304A 0010500`

Property Details

APN / Parcel Number

Primary APN	`061C304A 0010500`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Building Area	1,704 sqft Finished Area
1st Floor Area	1,420 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Shingle
Lot Area	17,424 sqft (0.4 acres)
Patio Area	120 sqft
Utility Building	80 sqft

Location & Zoning

Street Address	1294 LONE OAK DR
City	WEST POINT
State	MS
Zip	39773-7924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MIRACLE HEIGHTS SUB LOT 4 DB 319/119
Legal Range	06E
Legal Township	17
Legal Section	04
Legal Subdivision	MIRACLE HEIGHTS SUB
Legal Lot Number	4
Jurisdiction	CLAY MS
Township / Civil Division	1
Census Block Group	4
Census Block	4028
Census Tract	950100

Owner

1294 Lone Oak Dr is owned and occupied by an individual who acquired it in April 2024.

Source: Clay County records, as of August 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1294 LONE OAK DR, WEST POINT, MS 39773-7924
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 26, 2024	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 13, 2023	Trustee's Deed, Foreclosure
Aug 1, 2007	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2024
Deed Sale	Apr 26, 2024
Prior Sale	Nov 15, 2023 · Amount on File
Deed Document Number	20241499
Deed Book / Page	319 / 119
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Recording Date	Aug 10, 2026
Property Address	1294 LONE OAK DR, WEST POINT, MS 39773-7924
Document Number	0000002794
Book / Page	585 / 314
Instrument Date	Jul 30, 2026
Instrument	20262794
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1294 LONE OAK DR, WEST POINT, MS 39773-7924

Mortgage

Document Number	0000002794,
Date	Aug 10, 2026
Book Page	585/314
Instrument	20262794

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.43%
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MS
Recording Date	Apr 26, 2024
Property Address	1294 LONE OAK DR, WEST POINT, MS 39773-7924
Document Number	DEED319/119
Book / Page	DEED 319 / 119
Instrument Date	Apr 22, 2024
Instrument	2024001499
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50092 BECKER BOTTOM RD, AMORY, MS 38821-8612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1294 LONE OAK DR, WEST POINT, MS 39773-7924

Mortgage

Document Number	2024001500
Date	Apr 26, 2024
Instrument	2024001500

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

November 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CLAY MS
Recording Date	Nov 13, 2023
Property Address	1294 LONE OAK DR, WEST POINT, MS 39773-7924
Document Number	DEED317/593
Book / Page	DEED 317 / 593
Instrument Date	Nov 7, 2023
Instrument	2023005650
Transaction Type	Foreclosure
Record Updated	Jan 27, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50092 BECKER BOTTOM RD, AMORY, MS 38821-8612

August 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MS
Recording Date	Aug 1, 2007
Property Address	1294 LONE OAK DR, WEST POINT, MS 39773-7924
Document Number	0000258/34
Book / Page	258 / 34
Transaction Type	Transfer
Record Updated	Jan 27, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2936 DEERFIELD CIR, WEST POINT, MS 39773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2461 LONE OAK DR, WEST POINT, MS 39773
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1294 Lone Oak Dr was $473 with exemptions applied.

Source: Clay County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Clay County
Municipality	West Point City
Unified School District	West Point Consolidated School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$473.00 Additional exemption filed	$10,877 (-33.34%) Land $1,000 Building $9,877	$108,773 (-) Land $10,000 Building $98,773
2024		$16,316 (+13.14%) Land $1,500 Building $14,816	$108,773 (+13.14%) Land $10,000 Building $98,773
2023	$2,158.00 (+0.75%) Additional exemption filed	$14,421 Land $1,500 Building $12,921	$96,137 Land $10,000 Building $86,137
2022	$2,142.00

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

Flood

FEMA maps place 1294 Lone Oak Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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	2 in force
Nearby Flood Claims	3 (2004–2019)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2019 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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

Wildfire risk around 1294 Lone Oak Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 83% 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 WEST POINT serves 15,062 people · EPA ID MS0130008
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
4-County Fiber Fiber	1,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

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