Clay County property record for 185 Oak Dr, West Point, MS 39773
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5,650 sqft · built 1969 |
| Lot Size | 1.7 acres (74,052 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,238 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jan 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 092A224C 0090000 |
| Primary APN | 092A224C 0090000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Total Rooms | 13 Rooms |
| Building Area | 5,650 sqft Finished Area |
| 1st Floor Area | 3,215 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 74,052 sqft (1.7 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Patio Area | 1,116 sqft |
| Utility Building | 360 sqft |
| Total Buildings | 2 Buildings |
| Street Address | 185 OAK DR |
|---|---|
| City | WEST POINT |
| State | MS |
| Zip | 39773-3959 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 24 T 17 R 06 1.7 AC IN NW 1/4 NW 1/4 DB 302/584 |
| Legal Range | 06E |
| Legal Township | 17 |
| Legal Section | 24 |
| Jurisdiction | CLAY MS |
| Township / Civil Division | 2 |
| Census Block Group | 4 |
| Census Block | 4030 |
| Census Tract | 950400 |
Source: Clay County records · APN 092A224C 0090000
Assessment roll updated January 27, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 185 OAK DR, WEST POINT, MS 39773-3959 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT |
| Jan 30, 2023 | Deed of Trust, Mortgage · Conventional Mortgage BNA BANK |
| Sep 20, 2019 | Deed of Trust, Mortgage BNA BANK |
| Jan 02, 2019 | Deed of Trust, Mortgage · Line of Credit BNA BANK |
| Aug 22, 2019 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Aug 22, 2019 |
| Transfer Doc | 302/584 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Jun 29, 2026 |
| Property Address | 185 OAK DR, WEST POINT, MS 39773-3959 |
| Document Number | 0000002274 |
| Book / Page | 584 / 270 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20262274 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 185 OAK DR, WEST POINT, MS 39773-3959 |
| Document Number | 0000002274, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 584/270 |
| Instrument | 20262274 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 12, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 185 OAK DR, WEST POINT, MS 39773-3959 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000550/852 |
|---|---|
| Date | Jan 30, 2023 |
| Book Page | 550/852 |
| Instrument | 2023000287 |
| Name | BNA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 03, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 185 OAK DR, WEST POINT, MS 39773-3959 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 517/23 |
|---|---|
| Date | Sep 20, 2019 |
| Book Page | 517/23 |
| Instrument | 2019005438 |
| Name | BNA BANK |
|---|---|
| Type | Bank |
| Address | BELDEN, MS 38826 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Sep 05, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 185 OAK DR, WEST POINT, MS 39773-3959 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 510/229 |
|---|---|
| Date | Jan 02, 2019 |
| Book Page | 510/229 |
| Instrument | 2019000017 |
| Name | BNA BANK |
|---|---|
| Type | Bank |
| Address | NEW ALBANY, MS 38652 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 48 Months |
| Due | Jan 01, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Aug 22, 2019 |
| Property Address | 185 OAK DR, WEST POINT, MS 39773-3959 |
| Document Number | 302/584 |
| Book / Page | 302 / 584 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 2019004116 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 185 OAK DR, 185, WEST POINT, MS 39773-3959 |
| Name | Verified Name |
|---|---|
| Address | 185 OAK DR, WEST POINT, MS 39773-3959 |
Source: Clay County records · Assessment roll updated January 27, 2026 · Last verified June 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,238.00 (+5.4%) Additional exemption filed | $59,422 (-) Land $4,000 Building $55,422 | $547,322 (-) Land $40,000 Building $507,322 |
| 2024 | $3,072.00 (-59.35%) Additional exemption filed | $59,422 (+13.18%) Land $4,000 Building $55,422 | $547,322 (+12.72%) Land $40,000 Building $507,322 |
| 2023 | $7,558.00 (+1.14%) Additional exemption filed | $52,503 Land $4,000 Building $48,503 | $485,577 Land $40,000 Building $445,577 |
| 2022 | $7,473.00 |
Source: FEMA National Flood Hazard Layer as of November 27, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 15 (1979–2019) |
| Claims Outside the SFHA | 5 of 15 |
| Most Recent Claim | Feb 2019 · other causes |
| Claims by Event |
|
| Wildfire Risk | Low lower than 62% of the US · lower than 79% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| 4-County Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Telapex Fixed Wireless · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 36 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SILOAM W/A #2-GRIFFITH WELL public/private · serves 2,054 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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