Clay County property record for 186 Cypress Dr, West Point, MS 39773
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2,339 sqft · built 2000 |
| Lot Size | 0.59 acres (25,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $208,477 (Dec 2020) |
| Tax Bill | $798 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2025 Line of Credit + 5 more |
| Flood Zone | Zone AE (high risk) |
| APN | 088B 19B 0030800 |
| Primary APN | 088B 19B 0030800 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Building Area | 2,339 sqft Finished Area |
| 1st Floor Area | 1,500 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Composition/Composite |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 25,700 sqft (0.59 acres) |
| Street Address | 186 CYPRESS DR |
|---|---|
| City | WEST POINT |
| State | MS |
| Zip | 39773-5836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 19 T 17 R 08 PT S 1/2 SE 1/4 NE 1/4 DB 306/688 |
| Legal Range | 08E |
| Legal Township | 17 |
| Legal Section | 19 |
| Jurisdiction | CLAY MS |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3060 |
| Census Tract | 950500 |
186 Cypress Dr is owned and occupied by an individual who bought it in December 2020.
Source: Clay County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 186 COVE ST, WEST POINT, MS 39773 |
| 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 |
|---|---|
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LENDERS INC |
| Jun 20, 2025 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Dec 22, 2020 | Deed of Trust, Mortgage JTS & CO |
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN LENDERS INC |
| Dec 22, 2020 | Deed of Trust, Mortgage JTS & CO |
| Dec 22, 2020 | Warranty Deed, Transfer |
| Jan 21, 2015 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on File |
| Deed Sale | Dec 22, 2020 · Amount on File |
| Deed Document Number | 20206630 |
| Deed Book / Page | 306 / 688 |
| Prior Transfer Date | Jan 8, 2015 |
| Prior Transfer Doc | 286/521 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 186 CYPRESS DR, WEST POINT, MS 39773-5836 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000538/356 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 538/356 |
| Instrument | 2021005836 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 186 CYPRESS DR, WEST POINT, MS 39773-5836 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 186 CYPRESS DR, WEST POINT, MS 39773-5836 |
| Document Number | 0LM572/688 |
|---|---|
| Date | Jun 20, 2025 |
| Book Page | LM 572/688 |
| Instrument | 2025004311 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 186 CYPRESS DR, WEST POINT, MS 39773-5836 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000528/992 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 528/992 |
| Instrument | 2020006631 |
| Name | JTS & CO |
|---|---|
| Address | COLUMBUS, MS 39705 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 186 CYPRESS DR, WEST POINT, MS 39773-5836 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 538/356 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 538/356 |
| Instrument | 2021005836 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 186 CYPRESS DR, WEST POINT, MS 39773-5836 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 528/992 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 528/992 |
| Instrument | 2020006631 |
| Name | JTS & CO |
|---|---|
| Address | COLUMBUS, MS 39705 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Dec 22, 2020 |
| Property Address | 186 CYPRESS DR, WEST POINT, MS 39773-5836 |
| Document Number | 000306/688 |
| Book / Page | 306 / 688 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 2020006630 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3625 MARJEAN DR, PENSACOLA, FL 32504-4534 |
| Name | Verified Name |
|---|---|
| Address | 186 CYPRESS DR, WEST POINT, MS 39773-5836 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Jan 21, 2015 |
| Property Address | 186 CYPRESS DR, WEST POINT, MS 39773-5836 |
| Document Number | 000286/521 |
| Book / Page | 286 / 521 |
| Instrument Date | Jan 8, 2015 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3625 MARJEAN DR, PENSACOLA, FL 32504-4534 |
| Name | Verified Name |
|---|---|
| Address | 3625 MARJEAN DR, PENSACOLA, FL 32504-4534 |
The 2025 property tax bill for 186 Cypress Dr was $798 with exemptions applied, up 3.8% from the year before.
Source: Clay County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Clay County |
| Unified School District | West Point Consolidated School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $798.00 (+3.77%) Additional exemption filed | $16,352 (-) Land $3,000 Building $13,352 | $163,516 (-) Land $30,000 Building $133,516 |
| 2024 | $769.00 (-40.02%) | $16,352 (+17.29%) Land $3,000 Building $13,352 | $163,516 (+17.29%) Land $30,000 Building $133,516 |
| 2023 | $1,282.00 (+1.91%) | $13,941 Land $3,000 Building $10,941 | $139,408 Land $30,000 Building $109,408 |
| 2022 | $1,258.00 |
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 186 Cypress Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 41 policies |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 43 (1990–2021) |
| Most Recent Claim | Jun 2021 · rainfall accumulation |
| Claims by Event |
|
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 186 Cypress Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.3% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.02% 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 WEST POINT serves 15,062 people · EPA ID MS0130008 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| 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 | None 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 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 4-County Fiber Fiber | 1,000 / 1,000 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures