Clay County property record for 431 Cromwell St, West Point, MS 39773
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 977 sqft · built 1923 |
| Lot Size | 0.16 acres (6,979 sqft) |
| Owner | Company Name on File |
| Last Sale | $47,880 (Dec 2022) |
| Tax Bill | $392 (2025) |
| Deeds & Mortgages | Aug 2025 Second Mortgage Sep 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083C314B 0100100 |
| Primary APN | 083C314B 0100100 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Total Rooms | 5 Rooms |
| Building Area | 977 sqft Finished Area |
| 1st Floor Area | 936 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Exterior Material | Other |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 6,979 sqft |
| Street Address | 431 CROMWELL ST |
|---|---|
| City | WEST POINT |
| State | MS |
| Zip | 39773-3054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LOTS 3 & 4 BLK 28 W 3 DB 313/975 |
| Legal Range | 06E |
| Legal Township | 17 |
| Legal Section | 14 |
| Legal Subdivision | WARD 3 |
| Legal Block | 28 |
| Legal Lot Number | 3-4 |
| Jurisdiction | CLAY MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 950300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the West Point Unified Historic District listed 2009 · 140 contributing resources · NRIS 09000784 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Clay County records, as of October 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 585 S ESHMAN AVE, WEST POINT, MS 39773-3334 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 5, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BANKFIRST FINANCIAL SERVICES |
| Sep 30, 2019 | Deed of Trust, Mortgage RENASANT BANK |
| Nov 18, 2021 | Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK |
| May 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK |
| Dec 16, 2022 | Deed of Trust, Mortgage · Commercial Mortgage BANKFIRST FINANCIAL SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2022 · Amount on File |
| Deed Sale | Dec 16, 2022 · Amount on File |
| Prior Sale | Dec 13, 2021 |
| Deed Document Number | 20226112 |
| Deed Book / Page | 313 / 975 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 431 CROMWELL ST, WEST POINT, MS 39773-3054 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 585 S ESHMAN AVE, WEST POINT, MS 39773-3334 |
| Document Number | 0LM573/943 |
|---|---|
| Date | Aug 5, 2025 |
| Book Page | LM 573/943 |
| Instrument | 2025004954 |
| Name | BANKFIRST FINANCIAL SERVICES |
|---|---|
| Type | Bank |
| Address | WEST POINT, MS 39773 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Aug 3, 2027 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 431 CROMWELL ST, WEST POINT, MS 39773-3054 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000517/254 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 517/254 |
| Instrument | 2019005528 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Amount | Amount on Record |
|---|---|
| Term | 61 Months |
| Due | Oct 5, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 431 CROMWELL ST, WEST POINT, MS 39773-3054 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000539/344 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 539/344 |
| Instrument | 2021006205 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Nov 20, 2026 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 431 CROMWELL ST, WEST POINT, MS 39773-3054 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000544/167 |
|---|---|
| Date | May 11, 2022 |
| Book Page | 544/167 |
| Instrument | 2022002852 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Nov 20, 2026 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 431 CROMWELL ST, WEST POINT, MS 39773-3054 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000549/995 |
|---|---|
| Date | Dec 16, 2022 |
| Book Page | 549/995 |
| Instrument | 2022006113 |
| Name | BANKFIRST FINANCIAL SERVICES |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 16, 2027 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Clay County |
| Municipality | West Point City |
| Unified School District | West Point Consolidated School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $392.00 (-55.3%) | $6,997 (-) Land $1,188 Building $5,809 | $46,648 (-) Land $7,920 Building $38,728 |
| 2024 | $6,997 (+19.38%) Land $1,188 Building $5,809 | $46,648 (+19.38%) Land $7,920 Building $38,728 | |
| 2023 | $877.00 (+0.8%) | $5,861 Land $1,188 Building $4,673 | $39,075 Land $7,920 Building $31,155 |
| 2022 | $870.00 |
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 November 27, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber · Fixed Wireless in parts of the area | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| 4-County Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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