480 Cotton Rd, Taylor, MS 38673 Property Records

Lafayette County property record for 480 Cotton Rd, Taylor, MS 38673

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,804 sqft · built 1977
Lot Size	24 acres (1,045,440 sqft)
Owner	2 Individual Names on Record
Last Sale	$331,900 (Apr 2017)
Tax Bill	$1,606 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`178-34-005.00`

Property Details

APN / Parcel Number

Primary APN	`178-34-005.00`
Alternative APNs	`144-34-002` `12407`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,804 sqft Living Area
1st Floor Area	2,530 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Metal
Lot Area	1,045,440 sqft (24 acres)
Garage Type	Mixed
Garage Area	500 sqft
Parking Spaces	5 Parking Spaces
Patio Area	384 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	12407
Street Address	480 COTTON RD
City	TAYLOR
State	MS
Zip	38673
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E FR NE1/4 PREV APN: 144 -34-002
Legal Range	04W
Legal Township	09S
Legal Section	34
Jurisdiction	LAFAYETTE MS
Township / Civil Division	3
Census Block Group	2
Census Block	2047
Census Tract	950505

Owner

Source: Lafayette County records, as of April 28, 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	2 Individual Names on Record
Mailing Address	PO BOX 123, TAYLOR, MS 38673-0123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK
Apr 11, 2017	Warranty Deed, Transfer · Conventional Mortgage
Apr 11, 2017	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2017 · Amount on Record
Deed Sale	Apr 11, 2017 · Amount on Record
Deed Document Number	20172808
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	480 COTTON RD, TAYLOR, MS 38673
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201709691
Date	Nov 6, 2017
Instrument	201709691

Lender

Name	GUARANTY BANK
Type	Bank
Address	GREENVILLE, MS 38702

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MS
Recording Date	Apr 11, 2017
Property Address	480 COTTON RD, TAYLOR, MS 38673
Document Number	201702808
Instrument Date	Apr 7, 2017
Instrument	201702808
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 COUNTY ROAD 493, 98, WATER VALLEY, MS 38965-3873

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	480 COTTON RD, OXFORD, MS 38655-8210

Mortgage

Document Number	201702809
Date	Apr 11, 2017
Instrument	201702809

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2032

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MS
Recording Date	Apr 11, 2017
Property Address	480 COTTON RD, TAYLOR, MS 38673
Document Number	0201702808
Instrument Date	Apr 7, 2017
Instrument	201702808
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	MISSISSIPPI TITLE GROUP LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 COUNTY ROAD 493, 98, WATER VALLEY, MS 38965-3873

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	480 COTTON RD, OXFORD, MS 38655-8210

Mortgage

Document Number	0201702809
Date	Apr 11, 2017
Instrument	201702809

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2032

Tax Assessment & Valuation

Source: Lafayette County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Lafayette County
Municipality	Taylor Village
Unified School District	Lafayette County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,606.00 (+21.57%) Homeowner's exemption	$16,714 (+19.39%)	$165,300 (+19.68%) Land $17,480 Building $147,820
2023	$1,321.00 Homeowner's exemption	$14,000	$138,120 Land $17,540 Building $120,580

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2020

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.

Wildfire

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

Wildfire Risk	Moderate above 61% of the US · above 78% of Mississippi
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
North East Fiber Fiber	2,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20

May also be available: AT&T.

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