403 Thomas St, Oxford, MS 38655 Property Records

Lafayette County property record for 403 Thomas St, Oxford, MS 38655

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,171 sqft · built 2007
Lot Size	0.979 acres (42,677 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,103 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`135K-22-003.01`

Property Details

APN / Parcel Number

Primary APN	`135K-22-003.01`
Alternative APN	`29422`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,171 sqft Living Area
1st Floor Area	3,071 sqft
2nd Floor Area	480 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,677 sqft (0.979 acres)
Patio Area	380 sqft
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	29422
Street Address	403 THOMAS ST
City	OXFORD
State	MS
Zip	38655-2933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 8 AVENTS SUB
Legal Range	05W
Legal Township	08S
Legal Section	22
Legal Subdivision	AVENTS SUB
Legal Lot Number	8
Jurisdiction	LAFAYETTE MS
Township / Civil Division	2
Census Block Group	3
Census Block	3008
Census Tract	950201

Owner

403 Thomas St is owned and occupied by two individuals who acquired it in November 2021.

Source: Lafayette County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	403 THOMAS ST, OXFORD, MS 38655-2933
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Feb 11, 2019	Deed of Trust, Mortgage · Line of Credit OXFORD UNIVERSITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2021
Deed Sale	Nov 8, 2021
Deed Document Number	202112465
Prior Transfer Date	Jun 29, 2007
Prior Transfer Doc	0200706787
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	403 THOMAS ST, OXFORD, MS 38655-2933
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202007527
Date	Aug 17, 2020
Instrument	202007527

Lender

Name	PEOPLES BANK
Type	Bank
Address	NORTH CHARLESTON, SC 29405

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2040

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	403 THOMAS ST, OXFORD, MS 38655-2933
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201900995
Date	Feb 11, 2019
Instrument	201900995

Lender

Name	OXFORD UNIVERSITY BANK
Type	Bank
Address	OXFORD, MS 38655

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 15, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 403 Thomas St was $4,103 with a senior citizen's exemption.

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	$4,103.00 Senior Citizen's exemption	$47,939	$479,390 Land $80,000 Building $399,390
2023	$4,103.00 Senior Citizen's exemption	$40,745	$407,450 Land $80,000 Building $327,450

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 403 Thomas St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2004–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2010 · rainfall accumulation

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

Wildfire risk around 403 Thomas St is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · above 43% of Mississippi
Wildfire Likelihood	0.08% 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 149 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 Fiber · Fixed Wireless in parts of the area	8,000 / 8,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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