291 Hardin Cir, Pontotoc, MS 38863 Property Records

Pontotoc County property record for 291 Hardin Cir, Pontotoc, MS 38863

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,972 sqft · built 2006
Lot Size	0.869 acres (37,897 sqft)
Owner	Company Name on File
Tax Bill	$1,894 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`067-35-000-001.41`

Property Details

APN / Parcel Number

Primary APN	`067-35-000-001.41`
Alternative APN	`19862`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,972 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	37,897 sqft (0.869 acres)
Porch	Porch
Porch Area	560 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	19862
Street Address	291 HARDIN CIR
City	PONTOTOC
State	MS
Zip	38863-8331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.87 AC PT SE1/4 NE1/4 20054211 20060852 2/14/06 20192596 7/15/19 20200722 2/25/20 20201948 6/4/20 662 372 1881
Jurisdiction	PONTOTOC MS
Township / Civil Division	2
Census Block Group	3
Census Block	3001
Census Tract	950200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	237 ROYAL OAK DR, PONTOTOC, MS 38863-9649
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage FIRST FINANCIAL BANK
Jan 7, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CHOICE BANK
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 25, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2020
Deed Sale	Feb 25, 2020
Deed Document Number	2020000722
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	291 HARDIN CIR, PONTOTOC, MS 38863-8331
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 HARDIN CIR, PONTOTOC, MS 38863-8331

Mortgage

Document Number	2026000190
Date	Jan 12, 2026
Instrument	2026000190

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jan 2, 2027

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	291 HARDIN CIR, PONTOTOC, MS 38863-8331
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 HARDIN CIR, PONTOTOC, MS 38863-8331

Mortgage

Document Number	2021000059
Date	Jan 7, 2021
Instrument	2021000059

Lender

Name	FIRST CHOICE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2051

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC MS
Recording Date	Mar 10, 2026
Property Address	291 HARDIN CIR, PONTOTOC, MS 38863-8331
Document Number	2026000886
Instrument Date	Feb 20, 2026
Instrument	2026000886
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	503 KILLOUGH RD N, WYNNE, AR 72396-2418

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	291 HARDIN CIR, PONTOTOC, MS 38863-8331

Mortgage

Document Number	2026000887
Date	Mar 10, 2026
Instrument	2026000887

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC MS
Recording Date	Feb 25, 2020
Property Address	291 HARDIN CIR, PONTOTOC, MS 38863-8331
Document Number	2020000722
Instrument Date	Feb 20, 2020
Instrument	2020000722
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 ROAD 2768, BALDWYN, MS 38824-8451

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 City Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,894.00 (+4.12%) Homeowner's exemption Senior Citizen's exemption	$14,267 (-)	$142,671 (-) Land $10,450 Building $132,221
2023	$1,819.00 Homeowner's exemption Senior Citizen's exemption	$14,267	$142,671 Land $10,450 Building $132,221

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 42% of the US · lower than 62% of Mississippi
Wildfire Likelihood	0.08% 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	ALGOMA WATER ASSOCIATION public/private · serves 6,879 people · EPA ID MS0580001
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	3 ppb (2021–2023) 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	6 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 12 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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