450 Harmony Loop, Pontotoc, MS 38863 Property Records

Pontotoc County property record for 450 Harmony Loop, Pontotoc, MS 38863

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,050 sqft · built 1902
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individuals on Record
Last Sale	$98,000 (Sep 2022)
Tax Bill	$1,203 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`105-21-000-014`

Property Details

APN / Parcel Number

Primary APN	`105-21-000-014`
Alternative APN	`8669`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	53,143 sqft (1.22 acres)
Utility Building	528 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	8669
Street Address	450 HARMONY LOOP
City	PONTOTOC
State	MS
Zip	38863-6915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.22 AC NW1/4 DB 345-429 20023361 6/21/02 20202631 7/24/2020 20214052 9/21/21 20214053 9/21/21 20214054 9/21/21 20224078
Legal Range	03E
Legal Township	09S
Legal Section	21
Jurisdiction	PONTOTOC MS
Township / Civil Division	1
Census Block Group	4
Census Block	4045
Census Tract	950102

Owner

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	2 Individuals on Record
Mailing Address	450 HARMONY LOOP, PONTOTOC, MS 38863-6915
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA
Sep 21, 2021	Deed of Trust, Mortgage FIRST CHOICE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2022 · Amount on Record
Deed Sale	Sep 28, 2022 · Amount on Record
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	450 HARMONY LOOP, PONTOTOC, MS 38863-6915
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 N VICTORIA AVE 2, 2, CLEVELAND, MS 38732-2617

Mortgage

Document Number	2022004079
Date	Sep 28, 2022
Instrument	2022004079

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	450 HARMONY LOOP, PONTOTOC, MS 38863-6915
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1590 HARMONY LOOP, PONTOTOC, MS 38863-6922

Mortgage

Document Number	2021004055
Date	Sep 21, 2021
Instrument	2021004055

Lender

Name	FIRST CHOICE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Sep 17, 2046

Tax Assessment & Valuation

Source: Pontotoc County assessment roll, as of October 31, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Pontotoc County
Unified School District	Pontotoc City Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,203.00 (-28.39%) Homeowner's exemption	$9,065 (-31.22%)	$90,275 (+2.75%) Land $10,713 Building $79,562
2023	$1,680.00	$13,179	$87,858 Land $10,713 Building $77,145

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 44% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OAK HILL WATER ASSN public/private · serves 4,739 people · EPA ID MS0580004
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Tombigbee Fiber Fiber	2,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Buckeye Cablesystem.

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