317 S 18th St, Oxford, MS 38655 Property Records

Lafayette County property record for 317 S 18th St, Oxford, MS 38655

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,220 sqft · built 1950
Lot Size	0.35 acres (15,300 sqft)
Owner	Company Name on Record
Tax Bill	$3,474 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`138C-28-069.00`

Property Details

APN / Parcel Number

Primary APN	`138C-28-069.00`
Alternative APNs	`097A-28-080` `8073`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,220 sqft Living Area
1st Floor Area	1,176 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,300 sqft (0.35 acres)
Lot Dimensions	255 ft deep x 60 ft wide
Utility Building	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	8073
Street Address	317 S 18TH ST
City	OXFORD
State	MS
Zip	38655-4507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK A HALEYS SUB PREV APN: 097A-28-080
Legal Range	03W
Legal Township	08S
Legal Section	28
Legal Subdivision	HALEYS SUB
Legal Block	A
Legal Lot Number	11
Jurisdiction	LAFAYETTE MS
Township / Civil Division	1
Census Block Group	1
Census Block	1003
Census Tract	950204

Owner

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	Company Name on Record
Mailing Address	3841 MAJESTIC OAKS DR, OXFORD, MS 38655-8153
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · Commercial Mortgage FNB OXFORD BANK
Apr 1, 2024	Deed of Trust, Mortgage · Commercial Mortgage BANKPLUS
Nov 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Dec 30, 2022	Warranty Deed, Transfer · Commercial Mortgage BANKPLUS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2022
Deed Sale	Dec 30, 2022
Deed Document Number	202211696
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	317 S 18TH ST, OXFORD, MS 38655-4507
Transaction Type	Mortgage
Record Updated	Dec 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202012323
Date	Dec 21, 2020
Instrument	202012323

Lender

Name	FNB OXFORD BANK
Type	Bank
Address	OXFORD, MS 38655

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Jan 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	317 S 18TH ST, OXFORD, MS 38655-4507
Transaction Type	Mortgage
Record Updated	Dec 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020242406
Date	Apr 1, 2024
Instrument	2024-2406

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	58 Months
Due	Feb 7, 2029

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	317 S 18TH ST, OXFORD, MS 38655-4507
Transaction Type	Mortgage
Record Updated	Dec 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202410184
Date	Nov 18, 2024
Instrument	2024-10184

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.8%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MS
Recording Date	Dec 30, 2022
Property Address	317 S 18TH ST, OXFORD, MS 38655-4507
Document Number	0202211696
Map Reference	MB 1 PG 13
Instrument Date	Dec 29, 2022
Instrument	2022-11696
Transaction Type	Transfer
Record Updated	Dec 30, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1035, OXFORD, MS 38655-1035

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3841 MAJESTIC OAKS DR, OXFORD, MS 38655-8153
Investor	Possibly a Property Investor

Mortgage

Document Number	0202211697
Date	Dec 30, 2022
Instrument	2022-11697

Lender

Name	BANKPLUS
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 30, 2027

Tax Assessment & Valuation

Source: Lafayette County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Lafayette County
Municipality	Oxford City
Unified School District	Oxford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,474.00 (+49.81%)	$26,703 (+49.8%)	$178,020 (+49.8%) Land $60,000 Building $118,020
2023	$2,319.00	$17,826	$118,840 Land $60,000 Building $58,840

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 March 24, 2020 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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	Low lower than 65% of the US · lower than 82% of Mississippi
Wildfire Likelihood	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable	10,000 / 10,000
C Spire Wireless Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: AT&T, North East Fiber.

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