Pontotoc County property record for 427 Cummings Loop, Pontotoc, MS 38863
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,656 sqft · built 1996 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,821 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-12-000-038.01 |
| Primary APN | 061-12-000-038.01 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Building Area | 1,656 sqft Living Area |
| 1st Floor Area | 1,656 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Utility Building | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 15658 |
|---|---|
| Street Address | 427 CUMMINGS LOOP |
| City | PONTOTOC |
| State | MS |
| Zip | 38863-8825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 AC SE1/4 NE1/4 655-252 10/9/96 754-313; 754-315 12/30/99 20070467 1/25/07 |
| Legal Range | 02E |
| Legal Township | 09S |
| Legal Section | 12 |
| Jurisdiction | PONTOTOC MS |
| Township / Civil Division | 1 |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 950102 |
Source: Pontotoc County assessment roll, as of October 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 427 CUMMINGS LOOP, PONTOTOC, MS 38863-8825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jan 25, 2007 |
| Transfer Doc | 2007000467 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PONTOTOC MS |
| Property Address | 427 CUMMINGS LOOP, PONTOTOC, MS 38863-8825 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 427 CUMMINGS LOOP, PONTOTOC, MS 38863-8825 |
| Document Number | 2020001883 |
|---|---|
| Date | Jun 1, 2020 |
| Instrument | 2020001883 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
Source: Pontotoc County assessment roll, as of October 31, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Pontotoc County |
| Municipality | Ecru Town |
| Unified School District | Pontotoc County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,821.00 (-0.27%) Homeowner's exemption | $11,762 (-0.29%) | $117,433 (-0.19%) Land $7,550 Building $109,883 |
| 2023 | $1,826.00 | $11,796 | $117,661 Land $7,550 Building $110,111 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 19, 2010 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 81% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MUD CREEK WATER ASSOCIATION #2 public/private · serves 663 people · EPA ID MS0580020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Also Mapped Here | MUD CREEK WATER ASSOCIATION #1 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 12 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| BCI Mississippi Broadband Fiber · Cable in parts of the area | 10,000 / 10,000 |
| Tombigbee Electric Power Association Fiber | 2,000 / 1,000 |
| Telapex Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: North East Fiber.
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