Clay County property record for 177 S Division St, West Point, MS 39773
| Property Type | Single Family Home |
|---|---|
| Details | 9 bd · 2,082 sqft · built 1905 |
| Lot Size | 0.808 acres (35,181 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $61 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 082D115E 0160000 |
| Primary APN | 082D115E 0160000 |
|---|
| Bedrooms | 9 Beds |
|---|---|
| Total Rooms | 7 Rooms |
| Building Area | 2,082 sqft Finished Area |
| 1st Floor Area | 1,667 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Exterior Material | Other |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 35,181 sqft (0.808 acres) |
| Garage Type | Mixed |
| Garage Area | 648 sqft |
| Utility Building | 240 sqft |
| Street Address | 177 S DIVISION ST |
|---|---|
| City | WEST POINT |
| State | MS |
| Zip | 39773-2903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 61 FT OFF E END LOT 9 & ALL LOT 21 BLK 74 W 3 DB 295/232 |
| Legal Range | 06E |
| Legal Township | 17 |
| Legal Section | 15 |
| Legal Subdivision | WARD 3 |
| Legal Block | 74 |
| Legal Lot Number | 9,21 |
| Jurisdiction | CLAY MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 950300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| 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.
177 S Division St is owned and occupied by two individuals.
Source: Clay County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 177 S DIVISION ST, WEST POINT, MS 39773-2903 |
| 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.
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Mar 16, 2026 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Jun 5, 2026 |
| Property Address | 177 S DIVISION ST, WEST POINT, MS 39773-2903 |
| Document Number | 0000002117 |
| Book / Page | 583 / 759 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20262117 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 177 S DIVISION ST, WEST POINT, MS 39773-2903 |
| Document Number | 0000002117, |
|---|---|
| Date | Jun 5, 2026 |
| Book Page | 583/759 |
| Instrument | 20262117 |
| Name | RENASANT BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 25, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 177 S DIVISION ST, WEST POINT, MS 39773-2903 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 177 S DIVISION ST, WEST POINT, MS 39773-2903 |
| Document Number | 00LM581/31 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | LM 581/31 |
| Instrument | 2026000900 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | WEST POINT, MS 39773 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 25, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 177 S Division St was $61.
Source: Clay County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Clay County |
| Municipality | West Point City |
| Unified School District | West Point Consolidated School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $61.00 Additional exemption filed | $8,566 (-) Land $2,042 Building $6,524 | $85,658 (-) Land $20,416 Building $65,242 |
| 2024 | $8,566 (-) Land $2,042 Building $6,524 | $85,658 (-) Land $20,416 Building $65,242 | |
| 2023 | $159.00 (+1.27%) Additional exemption filed | $8,566 Land $2,042 Building $6,524 | $85,658 Land $20,416 Building $65,242 |
| 2022 | $157.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 177 S Division St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025
| 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 risk around 177 S Division St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 90% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SILOAM W/A #3-BEASLEY WELL public/private · serves 810 people · EPA ID MS0130016 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber · Fixed Wireless in parts of the area | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| 4-County Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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