2499 Harmony Loop, Pontotoc, MS 38863 Property Records

Pontotoc County property record for 2499 Harmony Loop, Pontotoc, MS 38863

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,581 sqft · built 2024
Lot Size	3.96 acres (172,498 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,828 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103-08-000-015.03`

Property Details

APN / Parcel Number

Primary APN	`103-08-000-015.03`
Alternative APN	`22495`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,581 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	172,498 sqft (3.96 acres)
Garage Type	Carport
Carport	Carport
Carport Area	432 sqft
Utility Building	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	22495
Street Address	2499 HARMONY LOOP
City	PONTOTOC
State	MS
Zip	38863-7830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.96 AC SE1/4 20146236 12/11/14 20215329 12/16/21 662 419 9289
Jurisdiction	PONTOTOC MS
Township / Civil Division	1
Census Block Group	4
Census Block	4004
Census Tract	950102

Owner

Source: Pontotoc County assessment roll, as of September 1, 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 File
Mailing Address	2499 HARMONY LOOP, PONTOTOC, MS 38863-7830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2020	Deed of Trust, Mortgage · Line of Credit OXFORD UNIVERSITY BANK
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUM TREE MORTGAGE LLC
Jul 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUM TREE MORTGAGE LLC

Assessor's Deed Record

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	2499 HARMONY LOOP, PONTOTOC, MS 38863-7830
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2499 HARMONY LOOP, PONTOTOC, MS 38863-7830

Mortgage

Document Number	2020002603
Date	Jul 23, 2020
Instrument	2020002603

Lender

Name	OXFORD UNIVERSITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	18 Months
Due	Jan 20, 2022

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	2499 HARMONY LOOP, PONTOTOC, MS 38863-7830
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2499 HARMONY LOOP, PONTOTOC, MS 38863-7830
Investor	Possibly a Property Investor

Mortgage

Document Number	2021005330
Date	Dec 16, 2021
Instrument	2021005330

Lender

Name	GUM TREE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	2499 HARMONY LOOP, PONTOTOC, MS 38863-7830
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2501 HARMONY LOOP, PONTOTOC, MS 38863-7609

Mortgage

Document Number	2022002866
Date	Jul 7, 2022
Instrument	2022002866

Lender

Name	GUM TREE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

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	$1,828.00 (+519.66%) Homeowner's exemption	$14,298 (+518.96%)	$142,276 (+515.91%) Land $10,950 Building $131,326
2023	$295.00 Homeowner's exemption	$2,310	$23,100 Land $10,950 Building $12,150

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 · 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
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

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

Wildfire Risk	Moderate above 48% of the US · above 50% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	OAK HILL WATER ASSN public/private · serves 4,739 people · EPA ID MS0580004
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Tombigbee Electric Power Association Fiber	2,000 / 1,000
Telapex Fixed Wireless	100 / 20

May also be available: BCI Mississippi Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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