39 Cotton Pl, West Point, MS 39773 Property Records

Clay County property record for 39 Cotton Pl, West Point, MS 39773

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,971 sqft · built 1983
Lot Size	1.18 acres (51,688 sqft)
Owner	Individual Name on Record
Last Sale	$207,400 (Apr 2020)
Tax Bill	$1,281 (2019)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`060C302A 0280000`

Property Details

APN / Parcel Number

Primary APN	`060C302A 0280000`

Interior

Bedrooms	4 Beds
Total Rooms	6 Rooms
Building Area	2,971 sqft Finished Area
1st Floor Area	1,993 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Shingle
Lot Area	51,688 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Utility Building	224 sqft

Location & Zoning

Street Address	39 COTTON PL
City	WEST POINT
State	MS
Zip	39773-5090
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HICKORY KNOLL LOTS 27 & 28 DB 304/409
Legal Range	06E
Legal Township	17
Legal Section	02
Legal Subdivision	HICKORY KNOLL
Legal Lot Number	27-28
Jurisdiction	CLAY MS
Township / Civil Division	1
Census Block Group	4
Census Block	4001
Census Tract	950300

Owner

Source: Clay County records, as of July 10, 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	39 COTTON PL, WEST POINT, MS 39773-5090
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · VA Mortgage IMPERIAL LENDING LLC
Apr 1, 2020	Deed of Trust, Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 1, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2020 · Amount on Record
Deed Sale	Apr 1, 2020 · Amount on Record
Deed Document Number	20201056
Deed Book / Page	304 / 409
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Recording Date	Jun 25, 2026
Property Address	39 COTTON PL, WEST POINT, MS 39773-5090
Document Number	0000002254
Book / Page	584 / 161
Instrument Date	Jun 12, 2026
Instrument	20262254
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 COTTON PL, WEST POINT, MS 39773-5090
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002254,
Date	Jun 25, 2026
Book Page	584/161
Instrument	20262254

Lender

Name	IMPERIAL LENDING LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	39 COTTON PL, WEST POINT, MS 39773-5090
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000521/404
Date	Apr 1, 2020
Book Page	521/404
Instrument	2020001057

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MS
Recording Date	Apr 1, 2020
Property Address	39 COTTON PL, WEST POINT, MS 39773-5090
Document Number	000304/409
Book / Page	304 / 409
Instrument Date	Mar 30, 2020
Instrument	2020001056
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 OLD WHITE RD S, 444, WEST POINT, MS 39773-4013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 COTTON PL, WEST POINT, MS 39773-5090
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Clay County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Clay County
Municipality	West Point City
Unified School District	West Point Consolidated School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$16,564 (-) Land $3,000 Building $13,564	$165,643 (-) Land $30,000 Building $135,643
2023		$16,564 Land $3,000 Building $13,564	$165,643 Land $30,000 Building $135,643
2019	$1,281.00

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 November 27, 2025 · 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
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (2005–2011)
Most Recent Claim	Apr 2011 · Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding, Apr 2011 · 3 claims Hurricane Katrina, Aug 2005 · 2 claims

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 80% of the US · lower than 90% of Mississippi
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	GOLDEN TRIANGLE WATER ASSN #1 public/private · serves 2,033 people · EPA ID MS0130018
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
4-County Fiber Fiber	1,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

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