636 Commerce St, West Point, MS 39773 Property Records

Clay County property record for 636 Commerce St, West Point, MS 39773

Property Summary

Property Type	Commercial
Details	4,327 sqft · built 1920
Lot Size	0.052 acres (2,302 sqft)
Owner	Company Name on File
Last Sale	$152,950 (Apr 2026)
Tax Bill	$498 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`083C214C 0060000`

Property Details

APN / Parcel Number

Primary APN	`083C214C 0060000`

Interior

Building Area	4,327 sqft Finished Area
1st Floor Area	2,400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Combination
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	2,302 sqft

Location & Zoning

Street Address	636 COMMERCE ST
City	WEST POINT
State	MS
Zip	39773-7996
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 5 BLK 6 W 3 DB 124/21
Legal Range	06E
Legal Township	17
Legal Section	14
Legal Subdivision	GOODMAN MAP
Legal Block	6
Legal Lot Number	5
Jurisdiction	CLAY MS
Township / Civil Division	3
Census Block Group	3
Census Block	3029
Census Tract	950300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Point Central City Historic District listed 1982 · 90 contributing resources · NRIS 82003099

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

636 Commerce St, a commercial property, is owned by a company that bought it in April 2026.

Source: Clay County records, as of May 27, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 1334, WEST POINT, MS 39773-1334
Owner Type	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2026 · Amount on File
Deed Sale	Apr 17, 2026 · Amount on File
Prior Sale	Dec 30, 2021
Deed Document Number	20261517
Deed Book / Page	326 / 616
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MS
Recording Date	Apr 17, 2026
Property Address	636 COMMERCE ST, WEST POINT, MS 39773-7996
Document Number	0000001517
Book / Page	326 / 616
Instrument Date	Apr 16, 2026
Instrument	2026.1517
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001518,
Date	Apr 17, 2026
Instrument	2026..1518

Lender

Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2036

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 636 Commerce St was $498, up 5.1% from the year before.

Source: Clay County assessment roll, as of January 27, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Clay County
Municipality	West Point City
Unified School District	West Point Consolidated School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$498.00 (+5.06%)	$8,737 (-) Land $1,325 Building $7,412	$58,244 (-) Land $8,832 Building $49,412
2024	$474.00 (-57.07%)	$8,737 (+18.36%) Land $1,325 Building $7,412	$58,244 (+18.36%) Land $8,832 Building $49,412
2023	$1,104.00 (+1.01%)	$7,382 Land $1,325 Building $6,057	$49,209 Land $8,832 Building $40,377
2022	$1,093.00

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

Flood

FEMA maps place 636 Commerce St in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	21 (1983–2019)
Claims Outside the SFHA	19 of 21
Most Recent Claim	Apr 2019 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2019 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding, Apr 2011 · 11 claims

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 636 Commerce St is low, with a 0.01% annual chance of wildfire.

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.

Drinking Water

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

Water System	SILOAM W/A #3-BEASLEY WELL public/private · serves 810 people · EPA ID MS0130016
Water Source	Groundwater
Last State Inspection	Feb 2025
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	6 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
4-County Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
C Spire Wireless Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20