159 Downing St, Oxford, MS 38655 Property Records

Lafayette County property record for 159 Downing St, Oxford, MS 38655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,285 sqft · built 2021
Lot Size	1 acres (43,895 sqft)
Owner	2 Individual Names on Record
Last Sale	$573,700 (Jan 2021)
Tax Bill	$5,873 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`123-08-011.40`

Property Details

APN / Parcel Number

Primary APN	`123-08-011.40`
Alternative APN	`38828`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,285 sqft Living Area
1st Floor Area	2,993 sqft
2nd Floor Area	410 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,895 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	38828
Street Address	159 DOWNING ST
City	OXFORD
State	MS
Zip	38655-8918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 39 WOODSON RIDGE SUBDIVISION PHASE II
Legal Range	02W
Legal Township	08S
Legal Section	08
Legal Subdivision	WOODSON RIDGE SUBDIVISION
Legal Phase	2
Legal Lot Number	39
Jurisdiction	LAFAYETTE MS
Township / Civil Division	2
Census Block Group	4
Census Block	4005
Census Tract	950100

Owner

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	2 Individual Names on Record
Mailing Address	159 DOWNING ST, OXFORD, MS 38655-8918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Deed of Trust, Mortgage · Line of Credit GREAT OAKS BANK
Apr 17, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK & TRUST CO
Dec 2, 2022	Intrafamily Transfer, Transfer
Jan 29, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CITIZENS BANK & TRUST CO OF VIVIAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on Record
Deed Sale	Jan 29, 2021 · Amount on Record
Deed Document Number	20211040
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	159 DOWNING ST, OXFORD, MS 38655-8918
Transaction Type	Mortgage
Record Updated	Dec 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202100273
Date	Jan 8, 2021
Instrument	202100273

Lender

Name	GREAT OAKS BANK
Type	Bank
Address	MARKS, MS 38646

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	2 Months
Due	Mar 30, 2021

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	159 DOWNING ST, OXFORD, MS 38655-8918
Transaction Type	Mortgage
Record Updated	Dec 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202003194
Date	Apr 17, 2020
Instrument	202003194

Lender

Name	CITIZENS BANK & TRUST CO
Type	Bank
Address	MARKS, MS 38646

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 7, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAFAYETTE MS
Recording Date	Dec 2, 2022
Property Address	159 DOWNING ST, OXFORD, MS 38655-8918
Document Number	0202211024
Map Reference	CAB C SL 60
Instrument Date	Nov 30, 2022
Instrument	2022-11024
Transaction Type	Transfer
Record Updated	Dec 13, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 E ROSEBUD ST, BALDWIN, LA 70514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 DOWNING ST, OXFORD, MS 38655-8918

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MS
Recording Date	Jan 29, 2021
Property Address	159 DOWNING ST, OXFORD, MS 38655-8918
Document Number	0202101040
Map Reference	CAB C SL 60
Instrument Date	Jan 29, 2021
Instrument	202101040
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 13, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2607 W OXFORD LOOP, OXFORD, MS 38655-5442

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	159 DOWNING ST, OXFORD, MS 38655-8918

Mortgage

Document Number	0202101041
Date	Jan 29, 2021
Instrument	202101041

Lender

Name	CITIZENS BANK & TRUST CO OF VIVIAN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Lafayette County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Lafayette County
Unified School District	Oxford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,873.00 (+33.78%) Homeowner's exemption	$62,048 (+31.6%)	$620,480 (+31.6%) Land $50,000 Building $570,480
2023	$4,390.00 Homeowner's exemption	$47,149	$471,490 Land $50,000 Building $421,490

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.

Flood

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 (2021)
Most Recent Claim	Jun 2021 · 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

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

Wildfire Risk	Moderate above 59% of the US · above 75% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
North East Fiber Fiber	2,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Buckeye Cablesystem.

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