173 Downing St, Oxford, MS 38655 Property Records

Lafayette County property record for 173 Downing St, Oxford, MS 38655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,203 sqft · built 2021
Lot Size	1.01 acres (44,410 sqft)
Owner	Individual Name on Record
Last Sale	$627,500 (Dec 2021)
Tax Bill	$6,470 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`123-08-011.52`

Property Details

APN / Parcel Number

Primary APN	`123-08-011.52`
Alternative APN	`40049`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,203 sqft Living Area
1st Floor Area	3,062 sqft
2nd Floor Area	346 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asbestos
Lot Area	44,410 sqft (1.01 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	40049
Street Address	173 DOWNING ST
City	OXFORD
State	MS
Zip	38655-8918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 53 WOODSON RIDGE SUBDIVISION PHASE III
Legal Range	02W
Legal Township	08S
Legal Section	08
Legal Subdivision	WOODSON RIDGE SUBDIVISION
Legal Phase	3
Legal Lot Number	53
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	Individual Name on Record
Mailing Address	173 DOWNING ST, OXFORD, MS 38655-8918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Line of Credit MECHANICS BANK
Dec 14, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANKFIRST FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2021 · Amount on Record
Deed Sale	Dec 14, 2021 · Amount on Record
Deed Document Number	202113665
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	173 DOWNING ST, OXFORD, MS 38655-8918
Transaction Type	Mortgage
Record Updated	Dec 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202102089
Date	Mar 3, 2021
Instrument	202102089

Lender

Name	MECHANICS BANK
Type	Bank
Address	WATER VALLEY, MS 38965

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Feb 12, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MS
Recording Date	Dec 14, 2021
Property Address	173 DOWNING ST, OXFORD, MS 38655-8918
Document Number	0202113665
Map Reference	CAB C SL 60
Instrument Date	Dec 10, 2021
Instrument	202113665
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	838 COUNTY ROAD 215, ABBEVILLE, MS 38601-9732

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	173 DOWNING ST, OXFORD, MS 38655-8918

Mortgage

Document Number	0202113667
Date	Dec 14, 2021
Instrument	202113667

Lender

Name	BANKFIRST FINANCIAL SERVICES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	$6,470.00 (+33.76%) Homeowner's exemption	$68,050 (+31.77%)	$680,500 (+31.77%) Land $50,000 Building $630,500
2023	$4,837.00 Homeowner's exemption	$51,643	$516,430 Land $50,000 Building $466,430

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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