2485 Wise Bend Rd, Pontotoc, MS 38863 Property Records

Pontotoc County property record for 2485 Wise Bend Rd, Pontotoc, MS 38863

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,356 sqft · built 1964
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on Record
Tax Bill	$997 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`063-05-000-009`

Property Details

APN / Parcel Number

Primary APN	`063-05-000-009`
Alternative APN	`721`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,356 sqft Living Area
Flooring	Vinyl/Resilient
Interior Walls	Paneling

Exterior

Year Built	Built 1964
Exterior Material	Brick Veneer
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Metal
Lot Area	54,886 sqft (1.26 acres)
Deck Area	704 sqft
Utility Building	64 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	721
Street Address	2485 WISE BEND RD
City	PONTOTOC
State	MS
Zip	38863-6876
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.26 AC SE1/4 DB 509-217 8/90 414-182; 439-121 20032800 5/29/03 20160295 1/4/16 20182800 7/26/18 20182801 7/26/18 20222101
Jurisdiction	PONTOTOC MS
Township / Civil Division	2
Census Block Group	1
Census Block	1019
Census Tract	950200

Owner

Source: Pontotoc County records, as of October 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1289 HIGHWAY 341, PONTOTOC, MS 38863-8466
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage SOUTHWEST FUNDING LP
Oct 13, 2022	Deed of Trust, Mortgage FIRST CHOICE BANK
May 13, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CHOICE BANK
Aug 7, 2018	Deed of Trust, Mortgage FIRST CHOICE BANK
Nov 29, 2018	Deed of Trust, Mortgage FIRST CHOICE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	2485 WISE BEND RD, PONTOTOC, MS 38863-6876
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1803 ESPERANZA RD, THAXTON, MS 38871-9748

Mortgage

Document Number	2026000239
Date	Jan 14, 2026
Instrument	2026000239

Lender

Name	SOUTHWEST FUNDING LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	2485 WISE BEND RD, PONTOTOC, MS 38863-6876
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2485 WISE BEND RD, PONTOTOC, MS 38863-6876

Mortgage

Document Number	2022004257
Date	Oct 13, 2022
Instrument	2022004257

Lender

Name	FIRST CHOICE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	2485 WISE BEND RD, PONTOTOC, MS 38863-6876
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1289 HIGHWAY 341, PONTOTOC, MS 38863-8466

Mortgage

Document Number	2022002102
Date	May 13, 2022
Instrument	2022002102

Lender

Name	FIRST CHOICE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Nov 12, 2022

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	2485 WISE BEND RD, PONTOTOC, MS 38863-6876
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 BRAMLITT LN, PONTOTOC, MS 38863-8663

Mortgage

Document Number	2018002973
Date	Aug 7, 2018
Instrument	2018002973

Lender

Name	FIRST CHOICE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Aug 5, 2030

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	2485 WISE BEND RD, PONTOTOC, MS 38863-6876
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 BRAMLITT LN, PONTOTOC, MS 38863-8663

Mortgage

Document Number	2018004543
Date	Nov 29, 2018
Instrument	2018004543

Lender

Name	FIRST CHOICE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	145 Months
Due	Dec 5, 2030

Tax Assessment & Valuation

Source: Pontotoc County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Pontotoc County
Unified School District	Pontotoc County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$997.00 (+37.9%) Homeowner's exemption	$7,799 (+37.86%)	$73,073 (+30.79%) Land $7,975 Building $65,098
2023	$723.00 Homeowner's exemption	$5,657	$55,869 Land $7,975 Building $47,894

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 19, 2010

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · above 55% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MUD CREEK WATER ASSOCIATION #2 public/private · serves 663 people · EPA ID MS0580020
Water Source	Groundwater
Last State Inspection	Nov 2023
Also Mapped Here	MUD CREEK WATER ASSOCIATION #1
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	12 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
North East Fiber Fiber	2,000 / 1,000
AT&T Fiber	1,000 / 1,000

May also be available: C Spire Wireless.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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