431 Cherokee Dr, Oxford, MS 38655 Property Records

Lafayette County property record for 431 Cherokee Dr, Oxford, MS 38655

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,965 sqft · built 1998
Lot Size	0.42 acres (18,302 sqft)
Owner	2 Individual Names on File
Last Sale	$505,200 (Aug 2021)
Tax Bill	$3,465 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135L-21-218.00`

Property Details

APN / Parcel Number

Primary APN	`135L-21-218.00`
Alternative APNs	`086J-21-013-T` `16691`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,965 sqft Living Area
1st Floor Area	1,830 sqft
2nd Floor Area	905 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,302 sqft (0.42 acres)
Lot Dimensions	131 ft deep x 139 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	16691
Street Address	431 CHEROKEE DR
City	OXFORD
State	MS
Zip	38655-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 CHEROKEE HILLS S/D PHASE II PREV APN: 086J-21-013-T
Legal Range	03W
Legal Township	08S
Legal Section	21
Legal Subdivision	CHEROKEE HILLS SD
Legal Phase	2
Legal Lot Number	12
Jurisdiction	LAFAYETTE MS
Township / Civil Division	2
Census Block Group	1
Census Block	1001
Census Tract	950201

Owner

431 Cherokee Dr is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	431 CHEROKEE DR, OXFORD, MS 38655-2701
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 18, 2021	Warranty Deed, Transfer · Conventional Mortgage MECHANICS BANK
Apr 9, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 14, 2020	Quit Claim Deed, Transfer MECHANICS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2021 · Amount on File
Deed Sale	Aug 18, 2021 · Amount on File
Prior Sale	Jul 14, 2020 · Amount on File
Deed Document Number	20219153
Prior Transfer Date	Oct 26, 2016
Prior Transfer Doc	0000010469
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MS
Recording Date	Aug 18, 2021
Property Address	431 CHEROKEE DR, OXFORD, MS 38655-2701
Document Number	0202109153
Map Reference	CAB A SL 90
Instrument Date	Aug 17, 2021
Instrument	202109153
Transaction Type	Transfer
Record Updated	Dec 13, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 COUNTY ROAD 3086, OXFORD, MS 38655-9308

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	431 CHEROKEE DR, OXFORD, MS 38655-2701

Mortgage

Document Number	0202109154
Date	Aug 18, 2021
Instrument	202109154

Lender

Name	MECHANICS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAFAYETTE MS
Recording Date	Apr 9, 2021
Property Address	431 CHEROKEE DR, OXFORD, MS 38655-2701
Document Number	0202103679
Map Reference	CAB A SL 90
Instrument Date	Apr 6, 2021
Instrument	202103679
Transaction Type	Transfer
Record Updated	Dec 13, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 COUNTY ROAD 3086, OXFORD, MS 38655-9308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 COUNTY ROAD 3086, OXFORD, MS 38655-9308

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAFAYETTE MS
Recording Date	Jul 14, 2020
Property Address	431 CHEROKEE DR, OXFORD, MS 38655-2701
Document Number	0202006110
Map Reference	CAB A SL 90
Instrument Date	Jul 10, 2020
Instrument	202006110
Transaction Type	Transfer
Record Updated	Dec 13, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 COUNTY ROAD 3086, OXFORD, MS 38655-9308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 COUNTY ROAD 3086, OXFORD, MS 38655-9308

Mortgage

Document Number	0202006111
Date	Jul 14, 2020
Instrument	202006111

Lender

Name	MECHANICS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jul 10, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 431 Cherokee Dr was $3,465 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	$3,465.00 Senior Citizen's exemption	$41,238	$412,380 Land $70,000 Building $342,380
2023	$3,483.00 Senior Citizen's exemption	$34,272	$342,720 Land $70,000 Building $272,720

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.

Flood

FEMA maps place 431 Cherokee Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
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.

Wildfire

Wildfire risk around 431 Cherokee Dr is moderate, ranking above 45% of the US, with a 0.07% 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 42% of Mississippi
Wildfire Likelihood	0.07% 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 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable in parts of the area	10,000 / 10,000
C Spire Wireless Fiber · Fixed Wireless in parts of the area	8,000 / 8,000
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000

May also be available: T-Mobile.

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