Clay County property record for 305 Commerce St, West Point, MS 39773 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,370 sqft · built 1920 |
| Lot Size | 0.282 acres (12,327 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $567 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083C214E 0060000 |
| Primary APN | 083C214E 0060000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 6 Rooms |
| Building Area | 2,370 sqft Finished Area |
| 1st Floor Area | 1,875 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 12,327 sqft |
| Street Address | 305 COMMERCE ST |
|---|---|
| City | WEST POINT |
| State | MS |
| Zip | 39773-3065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK 25 W 3 DB 294/512 |
| Legal Range | 06E |
| Legal Township | 17 |
| Legal Section | 14 |
| Legal Subdivision | WARD 3 |
| Legal Block | 25 |
| Legal Lot Number | 5 |
| Jurisdiction | CLAY MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 950300 |
Source: Clay County records · APN 083C214E 0060000
Assessment roll updated 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 | 305 COMMERCE ST, WEST POINT, MS 39773-3065 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Sep 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIGURE LENDING LLC |
| Jun 01, 2017 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 01, 2017 |
| Deed Sale | Jun 01, 2017 |
| Deed Document Number | 20173133 |
| Deed Book / Page | 294 / 512 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 305 COMMERCE ST, WEST POINT, MS 39773-3065 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000548/96 |
|---|---|
| Date | Sep 29, 2022 |
| Book Page | 548/96 |
| Instrument | 2022005231 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 305 COMMERCE ST, WEST POINT, MS 39773-3065 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000544/917 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | 544/917 |
| Instrument | 2022003154 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Jun 01, 2017 |
| Property Address | 305 COMMERCE ST, WEST POINT, MS 39773-3065 |
| Document Number | 294/512 |
| Book / Page | 294 / 512 |
| Instrument Date | May 31, 2017 |
| Instrument | 2017003133 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 57 MEADOWS CT, 57, WEST POINT, MS 39773-9262 |
| Name | Verified Name |
|---|---|
| Address | 305 COMMERCE ST, WEST POINT, MS 39773-3065 |
Source: Clay County records · Assessment roll updated January 27, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Clay County |
| Municipality | West Point City |
| Unified School District | West Point Consolidated School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $567.00 (-55.35%) Additional exemption filed | $12,575 (-) Land $1,414 Building $11,161 | $125,750 (-) Land $14,144 Building $111,606 |
| 2024 | $12,575 (+19.83%) Land $1,414 Building $11,161 | $125,750 (+19.83%) Land $14,144 Building $111,606 | |
| 2023 | $1,270.00 (+1.36%) Additional exemption filed | $10,494 Land $1,414 Building $9,080 | $104,939 Land $14,144 Building $90,795 |
| 2022 | $1,253.00 |
Source: FEMA National Flood Hazard Layer, Clay County (28025C), updated November 27, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the West Point Unified Historic District listed 2009 · 140 contributing resources · NRIS 09000784 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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