Lafayette County property record for 4 Co Rd 446, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,639 sqft · built 1900 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,422 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit Nov 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 221-12-039.00 |
| Primary APN | 221-12-039.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 5 Rooms |
| Building Area | 2,639 sqft Living Area |
| 1st Floor Area | 1,225 sqft |
| 2nd Floor Area | 654 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 130,680 sqft (3 acres) |
| Shed | 1 Shed |
| Shed Area | 196 sqft |
| Account Number | 13131 |
|---|---|
| Street Address | 4 COUNTY ROAD 446 |
| City | OXFORD |
| State | MS |
| Zip | 38655-6827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N FR NW1/4 W OF HWY #331 PREV APN: 158 -12-014 |
| Legal Range | 02W |
| Legal Township | 10S |
| Legal Section | 12 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 950507 |
4 Co Rd 446, a single family home, is owned by an individual.
Source: Lafayette County records, as of April 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6133 OLD TIPTON RD, MILLINGTON, TN 38053-4625 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 13, 2020 | Deed of Trust, Mortgage · Line of Credit MECHANICS BANK |
| Nov 6, 2019 | Deed of Trust, Mortgage · Line of Credit MECHANICS BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 4 COUNTY ROAD 446, OXFORD, MS 38655-6827 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202002282 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 202002282 |
| Name | MECHANICS BANK |
|---|---|
| Type | Bank |
| Address | WATER VALLEY, MS 38965 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 4 COUNTY ROAD 446, OXFORD, MS 38655-6827 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201909301 |
|---|---|
| Date | Nov 6, 2019 |
| Instrument | 201909301 |
| Name | MECHANICS BANK |
|---|---|
| Type | Bank |
| Address | WATER VALLEY, MS 38965 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 8 Months |
| Due | Jul 15, 2020 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4 Co Rd 446 was $1,422.
Source: Lafayette County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lafayette County |
| Unified School District | Lafayette County School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,422.00 | $13,550 | $90,330 Land $12,310 Building $78,020 |
| 2023 | $1,070.00 | $10,036 | $66,900 Land $12,320 Building $54,580 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Co Rd 446 in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 2 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 risk around 4 Co Rd 446 is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 50% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | MT COMFORT W/A public/private · serves 1,085 people · EPA ID MS0070010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2026) 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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| North East Fiber Fiber | 2,000 / 1,000 |
| AT&T Fiber | 1,000 / 1,000 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
5G and 4G LTE (outdoors only)
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