Clay County property record for 142 Commerce St, West Point, MS 39773 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Year Built | Built 1920 |
| Square Footage | 2,587 sqft Finished Area |
| Lot Size | 0.321 acres |
| Occupancy | Owner Occupied |
| Last Sale | $212,800 (2025) |
| Tax Bill | $1,285.00 (2025) |
| Primary APN | 083C214F 0100000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 2,587 sqft Finished Area |
| 1st Floor | 2,110 sqft 1st Floor |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Composition/Composite Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 14,007 sqft |
| Total Buildings | 2 Total Buildings |
| Utility Building | 100 sqft Utility Building |
| Street Address | 142 COMMERCE ST |
|---|---|
| City | WEST POINT |
| State | MS |
| Zip | 39773-3061 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | W 20 FT LOT 7 & ALL LOT 10 & N 20 FT LOT 11 BLK 28 W 3 DB 316/184 |
| Legal Range | 06E |
| Legal Township | 17 |
| Legal Section | 14 |
| Legal Subdivision | ARTHUR L GOODMAN |
| Legal Block | 28 |
| Legal Lot Number | 7,10-11 |
| Jurisdiction | CLAY MS |
| Minor Civil Division | 5 |
| Census Blockgroup | 2 |
| Census Block | 2022 |
| Census Tract | 950300 |
Source: Clay County records · APN 083C214F 0100000
Assessment roll updated January 27, 2026 · Last verified August 2026
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 File |
|---|---|
| Mailing Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL |
| Jul 11, 2024 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Jun 23, 2023 | Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK |
| Oct 28, 2025 | Deed of Trust, Mortgage THE CITIZENS BANK OF PHILADELPHIA |
| Oct 28, 2025 | Warranty Deed, Transfer THE CITIZENS BANK OF PHILADELPHIA |
| Jun 23, 2023 | Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 28, 2025 · Amount on Record |
| Deed Sale | Oct 28, 2025 · Amount on Record |
| Prior Sale | Jun 23, 2023 · Amount on Record |
| Deed Doc Number | 20256004 |
| Deed Book / Page | 324 / 792 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Jul 24, 2026 |
| Property Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Document Number | 0000002581 |
| Book / Page | 584 / 1000 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 20262581 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Document Number | 0000002581, |
|---|---|
| Date | Jul 24, 2026 |
| Book Page | 584/1000 |
| Instrument | 20262581 |
| Name | CARDINAL FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.81% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Document Number | 0LM564/324 |
|---|---|
| Date | Jul 11, 2024 |
| Book Page | LM 564/324 |
| Instrument | 2024003868 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | WEST POINT, MS 39773 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Jul 25, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000554/898 |
|---|---|
| Date | Jun 23, 2023 |
| Book Page | 554/898 |
| Instrument | 2023003483 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 20, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 193 OLD MAYHEW RD, STARKVILLE, MS 39759-9246 |
| Document Number | 0LM576/607 |
|---|---|
| Date | Oct 28, 2025 |
| Book Page | LM 576/607 |
| Instrument | 2025006005 |
| Name | THE CITIZENS BANK OF PHILADELPHIA |
|---|---|
| Type | Bank |
| Address | STARKVILLE, MS 39760 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Oct 17, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Oct 28, 2025 |
| Property Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Document Number | DEED324/792 |
| Book / Page | DEED 324 / 792 |
| Instrument Date | Oct 17, 2025 |
| Instrument | 2025006004 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Document Number | 2025006005 |
|---|---|
| Date | Oct 28, 2025 |
| Instrument | 2025006005 |
| Name | THE CITIZENS BANK OF PHILADELPHIA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Oct 17, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Jun 23, 2023 |
| Property Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Document Number | 000316/184 |
| Book / Page | 316 / 184 |
| Map Reference | DR 64 PG 403 |
| Instrument Date | Jun 23, 2023 |
| Instrument | 2023003482 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 36, MAYHEW, MS 39753-0036 |
| Name | Verified Name |
|---|---|
| Address | 142 COMMERCE ST, WEST POINT, MS 39773-3061 |
| Document Number | 2023003483 |
|---|---|
| Date | Jun 23, 2023 |
| Instrument | 2023003483 |
| Name | RENASANT BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 20, 2028 |
Source: Clay County records · Assessment roll updated January 27, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Clay County |
| Municipality | West Point City |
| Unified School District | West Point Consolidated School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,285.00 (+38.47%) | $22,936 (-) Land $2,203 Building $20,733 | $152,907 (-) Land $14,688 Building $138,219 |
| 2024 | $22,936 (+67.34%) Land $2,203 Building $20,733 | $152,907 (+21.81%) Land $14,688 Building $138,219 | |
| 2023 | $928.00 (+0.76%) Additional exemption filed | $13,706 Land $1,469 Building $12,237 | $125,528 Land $14,688 Building $110,840 |
| 2022 | $921.00 |
142 Commerce St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Clay County (28025C), updated November 27, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release
| Historic District | Within the West Point Unified Historic District listed 2009 · 140 contributing resources · NRIS 09000784 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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