Lafayette County property record for 313 Garner St, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,127 sqft · built 1969 |
| Lot Size | 0.47 acres (20,650 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $273,400 (Apr 2015) |
| Tax Bill | $2,855 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 134J-20-083.00 |
| Primary APN | 134J-20-083.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 6 Rooms |
| Building Area | 2,127 sqft Living Area |
| 1st Floor Area | 1,525 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Brick Veneer |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,650 sqft (0.47 acres) |
| Lot Dimensions | 175 ft deep x 118 ft wide |
| Patio Area | 324 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 5537 |
|---|---|
| Street Address | 313 GARNER ST |
| City | OXFORD |
| State | MS |
| Zip | 38655-2003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 32 GARNER HEIGHTS SUB PREV APN: 086L-20-027 |
| Legal Range | 03W |
| Legal Township | 08S |
| Legal Section | 20 |
| Legal Subdivision | GARNER HEIGHTS SUB |
| Legal Lot Number | 32 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 950303 |
Source: Lafayette County records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 313 GARNER ST, OXFORD, MS 38655-2003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 10, 2015 · Amount on Record |
| Deed Sale | Apr 10, 2015 · Amount on Record |
| Deed Document Number | 20152976 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 313 GARNER ST, OXFORD, MS 38655-2003 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0202106648 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 202106648 |
| Name | THE BANK OF HOLLY SPRING |
|---|---|
| Type | Bank |
| Address | HOLLY SPRINGS, MS 38635 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Lafayette County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lafayette County |
| Municipality | Oxford City |
| Unified School District | Oxford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,855.00 (+21.59%) Homeowner's exemption | $24,250 (+19.12%) | $242,500 (+19.12%) Land $90,000 Building $152,500 |
| 2023 | $2,348.00 Homeowner's exemption | $20,357 | $203,570 Land $90,000 Building $113,570 |
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.
Source: FEMA National Flood Hazard Layer, effective March 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 11 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 70% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF OXFORD serves 28,500 people · EPA ID MS0360011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2021 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Buckeye Cablesystem Fiber · Cable in parts of the area | 10,000 / 10,000 |
| C Spire Wireless Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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