418 Lone Oak Trl, West Point, MS 39773 Property Records

Clay County property record for 418 Lone Oak Trl, West Point, MS 39773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,520 sqft · built 2005
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,068 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`061C104A 0010600`

Property Details

APN / Parcel Number

Primary APN	`061C104A 0010600`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Building Area	2,520 sqft Finished Area
1st Floor Area	1,938 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Mixed
Garage Area	1,440 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Deck Area	332 sqft
Shed	1 Shed
Shed Area	1,500 sqft
Utility Building	358 sqft

Location & Zoning

Street Address	418 LONE OAK TRL
City	WEST POINT
State	MS
Zip	39773-7003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 04 T 17 R 06 2 AC IN S 1/2 SE 1/4 NE 1/4 DB 247/319
Legal Range	06E
Legal Township	17
Legal Section	04
Jurisdiction	CLAY MS
Township / Civil Division	1
Census Block Group	4
Census Block	4026
Census Tract	950100

Owner

418 Lone Oak Trl is owned and occupied by two individuals.

Source: Clay County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	418 LONE OAK TRL, WEST POINT, MS 39773-7003
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
Feb 24, 2021	Deed of Trust, Mortgage CITIZENS BANK NA
Jun 2, 2020	Deed of Trust, Mortgage RENASANT BANK
Jun 2, 2020	Deed of Trust, Mortgage RENASANT BANK
Sep 10, 2020	Deed of Trust, Mortgage RENASANT BANK
Mar 28, 2017	Deed of Trust, Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	418 LONE OAK TRL, WEST POINT, MS 39773-7003
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	530/760
Date	Feb 24, 2021
Book Page	530/760
Instrument	2021000636

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2031

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	418 LONE OAK TRL, WEST POINT, MS 39773-7003
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	523/44
Date	Jun 2, 2020
Book Page	523/44
Instrument	2020003094

Lender

Name	RENASANT BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Amount	Amount on Record
Term	11 Months
Due	May 20, 2021

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	418 LONE OAK TRL, WEST POINT, MS 39773-7003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	523/31
Date	Jun 2, 2020
Book Page	523/31
Instrument	2020003093

Lender

Name	RENASANT BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Amount	Amount on Record
Term	11 Months
Due	May 20, 2021

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	418 LONE OAK TRL, WEST POINT, MS 39773-7003
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	526/099
Date	Sep 10, 2020
Book Page	526/099
Instrument	2020004576

Lender

Name	RENASANT BANK
Type	Bank
Address	ABERDEEN, MS 39730

Agreement

Amount	Amount on Record
Term	120 Months
Due	Sep 25, 2030

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	418 LONE OAK TRL, WEST POINT, MS 39773-7003
Transaction Type	Mortgage
Record Updated	Jul 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017000944
Date	Mar 28, 2017
Book Page	492/365
Instrument	2017000944

Lender

Name	RENASANT BANK
Type	Bank
Address	ABERDEEN, MS 39730

Agreement

Amount	Amount on Record
Term	12 Months
Due	Mar 15, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 418 Lone Oak Trl was $1,068 with exemptions applied.

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	$1,068.00 Additional exemption filed	$21,244 (-2.3%) Land $1,900 Building $19,344	$211,830 (-1.55%) Land $19,000 Building $192,830
2024		$21,745 (+15.96%) Land $1,900 Building $19,845	$215,171 (+16.13%) Land $19,000 Building $196,171
2023	$2,506.00 (+0.8%) Additional exemption filed	$18,752 Land $1,900 Building $16,852	$185,281 Land $19,000 Building $166,281
2022	$2,486.00

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

Flood

FEMA maps place 418 Lone Oak Trl in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2004–2019)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 2019 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 418 Lone Oak Trl is low, with a 0.04% annual chance of 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	0.04% 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 WEST POINT serves 15,062 people · EPA ID MS0130008
Water Source	Groundwater
Last State Inspection	Jun 2025
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	None 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 5 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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