Clay County property record for 2109 Billy White Rd, Pheba, MS 39755
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1,088 sqft · built 2005 |
| Lot Size | 9.4 acres (409,464 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (May 2020) |
| Tax Bill | $225 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 102 19 0080200 |
| Primary APN | 102 19 0080200 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 4 Rooms |
| Building Area | 1,088 sqft Finished Area |
| 1st Floor Area | 960 sqft |
| Flooring | Tile |
| Interior Walls | Plywood |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 409,464 sqft (9.4 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Utility Building | 348 sqft |
| Street Address | 2109 BILLY WHITE RD |
|---|---|
| City | PHEBA |
| State | MS |
| Zip | 39755-8386 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 19 T 20 R 13 PT W 1/2 SW 1/4 SW 1/4 N OF RD DB 304/683 |
| Legal Range | 13E |
| Legal Township | 20 |
| Legal Section | 19 |
| Jurisdiction | CLAY MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 950200 |
Source: Clay County assessment roll, APN 102 19 0080200, as of 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 | 2109 BILLY WHITE RD, PHEBA, MS 39755-8386 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 05, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 15, 2020 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 15, 2020 · Amount on Record |
| Deed Sale | May 15, 2020 · Amount on Record |
| Deed Document Number | 20202825 |
| Deed Book / Page | 304 / 683 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 2109 BILLY WHITE RD, PHEBA, MS 39755-8386 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000540/755 |
|---|---|
| Date | Jan 05, 2022 |
| Book Page | 540/755 |
| Instrument | 2022000029 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jan 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | May 15, 2020 |
| Property Address | 2109 BILLY WHITE RD, PHEBA, MS 39755-8386 |
| Document Number | 000304/683 |
| Book / Page | 304 / 683 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 2020002825 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2852 W EFFERSON RD, 2852, HOULKA, MS 38850 |
| Name | Verified Name |
|---|---|
| Address | 6315 FIRE TOWER RD, CRAWFORD, MS 39743-9480 |
| Document Number | 000522/436 |
|---|---|
| Date | May 15, 2020 |
| Book Page | 522/436 |
| Instrument | 2020002826 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
Source: Clay County assessment roll as of January 27, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Clay County |
| Unified School District | West Point Consolidated School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $225.00 (-39.02%) Additional exemption filed | $6,112 (-0.13%) Land $787 Building $5,325 | $60,170 (-0.08%) Land $6,917 Building $53,253 |
| 2024 | $6,120 (+16%) Land $795 Building $5,325 | $60,221 (+16.39%) Land $6,968 Building $53,253 | |
| 2023 | $369.00 (-3.66%) Additional exemption filed | $5,276 Land $807 Building $4,469 | $51,742 Land $7,048 Building $44,694 |
| 2022 | $383.00 |
Source: FEMA National Flood Hazard Layer, Clay County (28025C), as of November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280259502002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Moderate above 40% of the US · lower than 70% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.07% 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, 4 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| 4-County Fiber Fiber | 1,000 / 1,000 |
| Telapex Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system MS0130003, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SUN CREEK WATER INC-PHEBA public/private · serves 1,923 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) 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 full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures