Lafayette County property record for 404 Thomas St, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,638 sqft · built 1963 |
| Lot Size | 1.03 acres (44,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $112,500 (Jun 2005) |
| Tax Bill | $3,021 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 135K-22-035.00 |
| Primary APN | 135K-22-035.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,638 sqft Living Area |
| 1st Floor Area | 1,816 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,800 sqft (1.03 acres) |
| Lot Dimensions | 320 ft deep x 140 ft wide |
| Utility Building | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 4814 |
|---|---|
| Street Address | 404 THOMAS ST |
| City | OXFORD |
| State | MS |
| Zip | 38655-2918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FR NE1/4 OF NW1/4 OF EAST SIDE THOMAS ST PREV APN: 085M-22-072 |
| Legal Range | 03W |
| Legal Township | 08S |
| Legal Section | 22 |
| Legal Subdivision | AVENT SUBDIVISION PART 2 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 2 |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 950201 |
404 Thomas St is owned and occupied by two individuals who bought it in June 2005.
Source: Lafayette County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 THOMAS ST, OXFORD, MS 38655-2918 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2005 · Amount on File |
| Deed Sale | Jun 17, 2005 · Amount on File |
| Deed Document Number | 20055502 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 404 THOMAS ST, OXFORD, MS 38655-2918 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0201908072 |
|---|---|
| Date | Sep 27, 2019 |
| Instrument | 201908072 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Address | BRENTWOOD, TN 37027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2034 |
The 2025 property tax bill for 404 Thomas St was $3,021 with a homeowner's exemption.
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 | $3,021.00 Homeowner's exemption | $25,529 | $255,290 Land $80,000 Building $175,290 |
| 2023 | $2,485.00 Homeowner's exemption | $21,411 | $214,110 Land $80,000 Building $134,110 |
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.
FEMA maps place 404 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 risk around 404 Thomas St is moderate, ranking above 46% 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 46% of the US · above 44% 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 | 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 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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