Lafayette County property record for 405 Whitney Cv, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,469 sqft · built 1999 |
| Lot Size | 2.44 acres (106,499 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $66,500 (Apr 2025) |
| Tax Bill | $4,416 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Jun 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 182Y-09-150.00 |
| Primary APN | 182Y-09-150.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,469 sqft Living Area |
| 1st Floor Area | 2,003 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 106,499 sqft (2.44 acres) |
| Lot Dimensions | 205 ft deep x 51.9 ft wide |
| Patio Area | 208 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 20199 |
|---|---|
| Street Address | 405 WHITNEY CV |
| City | OXFORD |
| State | MS |
| Zip | 38655-9535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 80 SOUTH OAKS S/D 1ST ADD PHASE II PREV APN: 114K-09-010 |
| Legal Range | 03W |
| Legal Township | 09S |
| Legal Section | 09 |
| Legal Subdivision | SOUTH OAKS SD |
| Legal Phase | 2 |
| Legal Lot Number | 80 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 4 |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 950505 |
Source: Lafayette County records, as of April 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 WHITNEY CV, OXFORD, MS 38655-9535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 12, 2024 | Deed of Trust, Mortgage · Line of Credit CADENCE BANK NA |
| Jun 19, 2017 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Sep 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK |
| Apr 9, 2019 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2025 · Amount on Record |
| Deed Sale | Apr 21, 2025 · Amount on Record |
| Prior Sale | Aug 5, 2014 · Amount on Record |
| Deed Document Number | 20253298 |
| Last Transfer Date | Jul 8, 2025 |
| Transfer Doc | 0020255948 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 405 WHITNEY CV, OXFORD, MS 38655-9535 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 405 WHITNEY CV, OXFORD, MS 38655-9535 |
| Document Number | 0020242733 |
|---|---|
| Date | Apr 12, 2024 |
| Instrument | 2024-2733 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 26, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 405 WHITNEY CV, OXFORD, MS 38655-9535 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201705073 |
|---|---|
| Date | Jun 19, 2017 |
| Instrument | 201705073 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | 38809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 26, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 405 WHITNEY CV, OXFORD, MS 38655-9535 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202008255 |
|---|---|
| Date | Sep 1, 2020 |
| Instrument | 202008255 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 405 WHITNEY CV, OXFORD, MS 38655-9535 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2019 |
| Name | Verified Name |
|---|
| Document Number | 201902544 |
|---|---|
| Date | Apr 9, 2019 |
| Instrument | 201902544 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 26, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $4,416.00 (+105.68%) | $33,942 (+80.42%) | $226,280 (+20.28%) Land $45,000 Building $181,280 |
| 2023 | $2,147.00 Homeowner's exemption | $18,813 | $188,130 Land $45,000 Building $143,130 |
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.
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 | 9 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Dec 2015 · 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.
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 | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 86 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| North East Fiber Fiber | 2,000 / 1,000 |
| Buckeye Cablesystem Cable · Fiber in parts of the area | 1,000 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| C Spire Wireless Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures