Lafayette County property record for 181 Cullen Rd, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 4,441 sqft · built 2020 |
| Lot Size | 0.516 acres (22,460 sqft) |
| Owner | Individual Name on File |
| Last Sale | $251,600 (Aug 2018) |
| Tax Bill | $9,802 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Nov 2022 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135M-21-068.01 |
| Primary APN | 135M-21-068.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 4,441 sqft Living Area |
| 1st Floor Area | 3,165 sqft |
| 2nd Floor Area | 632 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 22,460 sqft (0.516 acres) |
| Lot Dimensions | 173 ft deep x 129 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 37510 |
|---|---|
| Street Address | 181 CULLEN RD |
| City | OXFORD |
| State | MS |
| Zip | 38655-2202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 31 WOODLAND HILLS |
| Legal Range | 03W |
| Legal Township | 08S |
| Legal Section | 21 |
| Legal Subdivision | WOODLAND HILLS |
| Legal Lot Number | 31 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 950201 |
181 Cullen Rd is owned and occupied by an individual who bought it in August 2018.
Source: Lafayette County records, as of April 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 181 CULLEN RD, OXFORD, MS 38655-2202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
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 28, 2023 | Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK |
| Nov 28, 2022 | Deed of Trust, Mortgage · Line of Credit FNB OXFORD BANK |
| Dec 15, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FNB OXFORD BANK |
| Feb 12, 2019 | Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK |
| Dec 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK |
| Apr 2, 2019 | Deed of Trust, Mortgage · Construction Mortgage RENASANT BANK |
| Aug 27, 2018 | Warranty Deed, Transfer · Commercial Mortgage RENASANT BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2018 · Amount on File |
| Deed Sale | Aug 27, 2018 · Amount on File |
| Deed Document Number | 20187167 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 181 CULLEN RD, OXFORD, MS 38655-2202 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 181 CULLEN RD, OXFORD, MS 38655-2202 |
| Document Number | 0020234852 |
|---|---|
| Date | Jun 28, 2023 |
| Instrument | 2023-4852 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 58 Months |
| Due | Apr 25, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 181 CULLEN RD, OXFORD, MS 38655-2202 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 424 CHEROKEE DR, OXFORD, MS 38655-2700 |
| Document Number | 0202210903 |
|---|---|
| Date | Nov 28, 2022 |
| Instrument | 2022-10903 |
| Name | FNB OXFORD BANK |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Nov 5, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 181 CULLEN RD, OXFORD, MS 38655-2202 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202012056 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 202012056 |
| Name | FNB OXFORD BANK |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Dec 13, 2021 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 181 CULLEN RD, OXFORD, MS 38655-2202 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0201901066 |
|---|---|
| Date | Feb 12, 2019 |
| Instrument | 201901066 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Aug 20, 2019 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 181 CULLEN RD, OXFORD, MS 38655-2202 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0202011730 |
|---|---|
| Date | Dec 7, 2020 |
| Instrument | 202011730 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.25% |
| Index | 1-Year CMT |
| Max Rate | 8.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 181 CULLEN RD, OXFORD, MS 38655-2202 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Title Company | MISSISSIPPI TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0201902347 |
|---|---|
| Date | Apr 2, 2019 |
| Instrument | 201902347 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35203 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 371 Months |
| Due | Mar 29, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Mar 1, 2027 |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 10% |
| Index | 1-Year LIBOR |
| Max Rate | 10% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Aug 27, 2018 |
| Property Address | 181 CULLEN RD, OXFORD, MS 38655-2202 |
| Document Number | 0201807167 |
| Map Reference | CAB A SL7 |
| Instrument Date | Aug 24, 2018 |
| Instrument | 201807167 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 181 CULLEN RD, 181, OXFORD, MS 38655-2202 |
| Name | Verified Name |
|---|---|
| Address | 424 CHEROKEE DR, OXFORD, MS 38655-2700 |
| Document Number | 0201807168 |
|---|---|
| Date | Aug 27, 2018 |
| Instrument | 201807168 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 20, 2019 |
The 2025 property tax bill for 181 Cullen Rd was $9,802 with a homeowner's exemption.
Source: Lafayette County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lafayette County |
| Municipality | Oxford City |
| Unified School District | Oxford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,802.00 Homeowner's exemption | $77,643 | $776,430 Land $90,000 Building $686,430 |
| 2023 | $7,101.00 Homeowner's exemption | $56,883 | $568,830 Land $90,000 Building $478,830 |
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.
FEMA maps place 181 Cullen Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
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 risk around 181 Cullen Rd is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 43% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
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 | CITY OF OXFORD serves 28,500 people · EPA ID MS0360011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2021 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 205 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Buckeye Cablesystem Fiber · Cable in parts of the area | 10,000 / 10,000 |
| C Spire Wireless Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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