Lafayette County property record for 7009 Bluff Ln, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,910 sqft · built 2004 |
| Lot Size | 2.74 acres (119,512 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $840,427 (Jun 2026) |
| Tax Bill | $2,453 (2025) |
| Deeds & Mortgages | Aug 2018 Line of Credit Jul 2013 Line of Credit + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146Y-23-093.00 |
| Primary APN | 146Y-23-093.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,910 sqft Living Area |
| 1st Floor Area | 1,792 sqft |
| 2nd Floor Area | 614 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Other |
| Construction Type | Concrete Block |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 119,512 sqft (2.74 acres) |
| Lot Dimensions | 205 ft deep x 58.1 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 23245 |
|---|---|
| Street Address | 7009 BLUFF LN |
| City | OXFORD |
| State | MS |
| Zip | 38655-5968 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 258 WELLSGATE PHASE IV PREV APN: 088Q-23-088 |
| Legal Range | 04W |
| Legal Township | 08S |
| Legal Section | 23 |
| Legal Subdivision | WELLSGATE PHASE IV |
| Legal Phase | 4 |
| Legal Lot Number | 258 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950404 |
Source: Lafayette County records, as of June 8, 2026
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 Record |
|---|---|
| Mailing Address | 17009 BLUFF LN, OXFORD, MS 38655 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 28, 2018 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Jul 19, 2013 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Apr 13, 2007 | Deed of Trust, Mortgage · Line of Credit MERCHANTS & FARMERS BANK |
| Oct 6, 2008 | Deed of Trust, Mortgage · Conventional Mortgage MECHANICS BANK |
| Sep 16, 2011 | Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK |
| Dec 10, 2009 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Jun 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage BANKPLUS |
| Jun 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage BANKPLUS |
| May 16, 2022 | Warranty Deed, Transfer |
| Jun 25, 2007 | Warranty Deed, Transfer · Conventional Mortgage MECHANICS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on Record |
| Deed Sale | Jun 1, 2026 · Amount on Record |
| Prior Sale | May 16, 2022 |
| Deed Document Number | 20264615 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201807246 |
|---|---|
| Date | Aug 28, 2018 |
| Instrument | 201807246 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 26, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201306785 |
|---|---|
| Date | Jul 19, 2013 |
| Instrument | 2013-06785 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Jul 31, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200703673 |
|---|---|
| Date | Apr 13, 2007 |
| Instrument | 200703673 |
| Name | MERCHANTS & FARMERS BANK |
|---|---|
| Type | Bank |
| Address | KOSCIUSKO, MS 39090 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 15, 2012 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200809366 |
|---|---|
| Date | Oct 6, 2008 |
| Instrument | 200809366 |
| Name | MECHANICS BANK |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0201107071 |
|---|---|
| Date | Sep 16, 2011 |
| Instrument | 201107071 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200910360 |
|---|---|
| Date | Dec 10, 2009 |
| Instrument | 200910360 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 1, 2014 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Jun 1, 2026 |
| Property Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0000004615 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20264615 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0000004617, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20264617 |
| Name | BANKPLUS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Jul 1, 2033 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Jun 1, 2026 |
| Property Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0020264615 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20264615 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0000004617, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20264617 |
| Name | BANKPLUS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Jul 1, 2033 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | May 16, 2022 |
| Property Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0202204557 |
| Map Reference | CAB B SL 74 |
| Instrument Date | May 13, 2022 |
| Instrument | 2022-04557 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 702 STONEBRIDGE RD, OXFORD, MS 38655-2256 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Jun 25, 2007 |
| Property Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0200706465 |
| Map Reference | CAB B SL74 |
| Instrument Date | Jun 21, 2007 |
| Instrument | 200706465 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 COUNTY ROAD 233, OXFORD, MS 38655-5815 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7009 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0200706466 |
|---|---|
| Date | Jun 25, 2007 |
| Instrument | 200706466 |
| Name | MECHANICS BANK |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2037 |
Source: Lafayette County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lafayette County |
| Unified School District | Oxford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,453.00 (+2.04%) Senior Citizen's exemption | $39,440 (+24.55%) | $394,400 (+24.55%) Land $60,000 Building $334,400 |
| 2023 | $2,404.00 Senior Citizen's exemption | $31,667 | $316,670 Land $60,000 Building $256,670 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 |
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