7004 Bluff Ln, Oxford, MS 38655 Property Records

Lafayette County property record for 7004 Bluff Ln, Oxford, MS 38655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,584 sqft · built 2003
Lot Size	0.439 acres (19,121 sqft)
Owner	Individual Name on Record
Tax Bill	$4,464 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`146Y-23-097.00`

Property Details

APN / Parcel Number

Primary APN	`146Y-23-097.00`
Alternative APNs	`088Q-23-084` `23241`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,584 sqft Living Area
1st Floor Area	2,266 sqft
2nd Floor Area	818 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Other
Construction Type	Concrete Block
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Asphalt
Lot Area	19,121 sqft (0.439 acres)
Lot Dimensions	172 ft deep x 129 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	23241
Street Address	7004 BLUFF LN
City	OXFORD
State	MS
Zip	38655-5969
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 261 WELLSGATE PHASE IV & PT LOT 292 WELLSGATE PHASE VIII PREV APN: 088Q-23-084
Legal Range	04W
Legal Township	08S
Legal Section	23
Legal Subdivision	WELLSGATE PHASE IV
Legal Phase	4
Legal Lot Number	261,292
Jurisdiction	LAFAYETTE MS
Township / Civil Division	3
Census Block Group	2
Census Block	2004
Census Tract	950404

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	Individual Name on Record
Mailing Address	7004 BLUFF LN, OXFORD, MS 38655-5969
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2023
Deed Sale	Nov 30, 2023
Prior Sale	Nov 7, 2016
Deed Document Number	20239504
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MS
Property Address	7004 BLUFF LN, OXFORD, MS 38655-5969
Transaction Type	Mortgage
Record Updated	Oct 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7004 BLUFF LN, OXFORD, MS 38655-5969

Mortgage

Document Number	0020237817
Date	Oct 3, 2023
Instrument	2023-7817

Lender

Name	FNB OXFORD BANK
Type	Bank
Address	38656

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 10, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Mississippi
County	Lafayette County
Unified School District	Oxford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,464.00 (+24.94%) Homeowner's exemption	$47,887 (+23%)	$478,870 (+23%) Land $60,000 Building $418,870
2023	$3,573.00 Homeowner's exemption	$38,932	$389,320 Land $60,000 Building $329,320

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2020 · 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 Record median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 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 62% of the US · lower than 77% of Mississippi
Wildfire Likelihood	0.06% 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 154 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Buckeye Cablesystem Fiber · Cable in parts of the area	10,000 / 10,000
AT&T Fiber · DSL	5,000 / 5,000
North East Fiber Fiber	2,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20