478 Cummings Loop, Pontotoc, MS 38863 Property Records

Pontotoc County property record for 478 Cummings Loop, Pontotoc, MS 38863

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,397 sqft · built 1986
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Nov 2022)
Tax Bill	$5,934 (2025)
Deeds & Mortgages	Nov 2022 Mortgage May 2022 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`061-12-000-036.01`

Property Details

APN / Parcel Number

Primary APN	`061-12-000-036.01`
Alternative APN	`4623`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,397 sqft Living Area
1st Floor Area	2,397 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Shingle
Lot Area	130,680 sqft (3 acres)
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,052 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	4623
Street Address	478 CUMMINGS LOOP
City	PONTOTOC
State	MS
Zip	38863-8824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 AC NE1/4 DB 414-86 6/84 20224740 11/17/22 662 372 2265
Legal Range	02E
Legal Township	09S
Legal Section	12
Jurisdiction	PONTOTOC MS
Township / Civil Division	1
Census Block Group	4
Census Block	4012
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 Individual Names on File
Mailing Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC DBA VE
May 26, 2022	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN BANK OF COMMERCE
Jul 6, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN COMMERCE BANK NA
Sep 28, 2020	Deed of Trust, Mortgage AMERICAN BANK OF COMMERCE
Aug 3, 2020	Deed of Trust, Mortgage AMERICAN BANK OF COMMERCE
Jun 14, 2019	Deed of Trust, Mortgage AMERICAN BANK OF COMMERCE
Jul 2, 2019	Deed of Trust, Mortgage AMERICAN BANK OF COMMERCE
Feb 13, 2017	Deed of Trust, Mortgage BANK OF COMMERCE
Mar 4, 2019	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK OF COMMERCE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Prior Sale	Jun 3, 2014 · Amount on Record
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PONTOTOC MS
Recording Date	Nov 17, 2022
Property Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824
Document Number	2022004740
Instrument Date	Nov 14, 2022
Instrument	2022004740
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	544 CUMMINGS LOOP, PONTOTOC, MS 38863-9601

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824

Mortgage

Document Number	2022004741
Date	Nov 17, 2022
Instrument	2022004741

Lender

Name	MORTGAGE RESEARCH CENTER LLC DBA VE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824

Mortgage

Document Number	2022002290
Date	May 26, 2022
Instrument	2022002290

Lender

Name	AMERICAN BANK OF COMMERCE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 13, 2023

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824

Mortgage

Document Number	2021002827
Date	Jul 6, 2021
Instrument	2021002827

Lender

Name	AMERICAN COMMERCE BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 30, 2022

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824
Transaction Type	Mortgage
Record Updated	May 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824

Mortgage

Document Number	2020003622
Date	Sep 28, 2020
Instrument	2020003622

Lender

Name	AMERICAN BANK OF COMMERCE
Type	Bank

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Sep 22, 2025

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824

Mortgage

Document Number	2020002730
Date	Aug 3, 2020
Instrument	2020002730

Lender

Name	AMERICAN BANK OF COMMERCE
Type	Bank

Agreement

Amount	Amount Recorded
Term	11 Months
Due	Jul 24, 2021

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824

Mortgage

Document Number	2019002196
Date	Jun 14, 2019
Instrument	2019002196

Lender

Name	AMERICAN BANK OF COMMERCE
Type	Bank

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Jun 7, 2020

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824

Mortgage

Document Number	2019002439
Date	Jul 2, 2019
Instrument	2019002439

Lender

Name	AMERICAN BANK OF COMMERCE
Type	Bank

Agreement

Amount	Amount Recorded
Term	59 Months
Due	Jun 14, 2024

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017000663
Date	Feb 13, 2017
Instrument	2017000663

Lender

Name	BANK OF COMMERCE
Type	Bank
Address	GREENWOOD, MS 38935

Agreement

Amount	Amount Recorded
Term	11 Months
Due	Jan 6, 2018

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PONTOTOC MS
Property Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 CUMMINGS LOOP, PONTOTOC, MS 38863-8824

Mortgage

Document Number	2019000858
Date	Mar 4, 2019
Instrument	2019000858

Lender

Name	AMERICAN BANK OF COMMERCE
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	62 Months
Due	May 1, 2024

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Pontotoc County
Municipality	Ecru Town
Unified School District	Pontotoc County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,934.00 (+2.2%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$38,322 (+2.2%)	$373,946 (+1.98%) Land $13,450 Building $360,496
2023	$5,806.00 Homeowner's exemption	$37,497	$366,680 Land $13,450 Building $353,230

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	Low lower than 63% of the US · lower than 80% of Mississippi
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 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
Telapex Fixed Wireless	100 / 20

May also be available: North East Fiber, Tombigbee Electric Power Association.

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