280 Shell Dr, Pontotoc, MS 38863 Property Records

Pontotoc County property record for 280 Shell Dr, Pontotoc, MS 38863

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,200 sqft · built 2007
Lot Size	3.76 acres (163,786 sqft)
Owner	2 Individual Names on Record
Last Sale	$281,300 (Aug 2020)
Tax Bill	$2,679 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`098-34-000-007.10`

Property Details

APN / Parcel Number

Primary APN	`098-34-000-007.10`
Alternative APN	`20623`

Interior

Full Baths	1 Bath
Building Area	2,200 sqft Living Area
1st Floor Area	2,200 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Shingle
Lot Area	163,786 sqft (3.76 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Slab
Porch Area	740 sqft
Patio Area	740 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	20623
Street Address	280 SHELL DR
City	PONTOTOC
State	MS
Zip	38863-6067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.76 AC PT NE SE LOT 3 & 4 REEDER HILL LAKE S/D 20071866-67 4/18/07 20180501 2/9/18 20203173 8/31/20 662 822 6638
Legal Range	03E
Legal Township	08S
Legal Section	34
Legal Subdivision	REEDER HILL LAKE SUB
Legal Lot Number	3-4
Jurisdiction	PONTOTOC MS
Township / Civil Division	1
Census Block Group	1
Census Block	1026
Census Tract	950102

Owner

Source: Pontotoc County records, as of October 31, 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	280 SHELL DR, PONTOTOC, MS 38863-6067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2018	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Aug 8, 2018	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	Apr 18, 2007
Deed Document Number	20203173
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	280 SHELL DR, PONTOTOC, MS 38863-6067
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 SHELL DR, PONTOTOC, MS 38863-6067
Investor	Possibly a Property Investor

Mortgage

Document Number	2018000604
Date	Feb 16, 2018
Instrument	2018000604

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jan 26, 2023

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	280 SHELL DR, PONTOTOC, MS 38863-6067
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 SHELL DR, PONTOTOC, MS 38863-6067
Investor	Possibly a Property Investor

Mortgage

Document Number	2018002980
Date	Aug 8, 2018
Instrument	2018002980

Lender

Name	BANCORPSOUTH BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jul 11, 2023

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC MS
Recording Date	Aug 31, 2020
Property Address	280 SHELL DR, PONTOTOC, MS 38863-6067
Document Number	2020003173
Instrument Date	Aug 28, 2020
Instrument	2020003173
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20099 CYPRESS GARDENS CV, ABERDEEN, MS 39730-9772

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	280 SHELL DR, PONTOTOC, MS 38863-6067

Mortgage

Document Number	2020003174
Date	Aug 31, 2020
Instrument	2020003174

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

Tax Assessment & Valuation

Source: Pontotoc County assessment roll, as of October 31, 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	$2,679.00 (+4.94%) Homeowner's exemption Senior Citizen's exemption	$20,962 (+4.95%)	$199,357 (+3.42%) Land $25,043 Building $174,314
2023	$2,553.00 Homeowner's exemption	$19,973	$192,766 Land $25,049 Building $167,717

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.

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

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	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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber	10,000 / 10,000
Tombigbee Fiber Fiber	2,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20

Cell Coverage

4G LTE only, no 5G reported

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