Lafayette County property record for 7011 Bluff Ln, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,936 sqft · built 2003 |
| Lot Size | 3.21 acres (139,790 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $941,640 (Mar 2024) |
| Tax Bill | $5,347 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Nov 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 146Y-23-094.00 |
| Primary APN | 146Y-23-094.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,936 sqft Living Area |
| 1st Floor Area | 2,354 sqft |
| 2nd Floor Area | 818 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Other |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Hip |
| Roof Material | Asbestos |
| Lot Area | 139,790 sqft (3.21 acres) |
| Lot Dimensions | 227 ft deep x 61.5 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 23244 |
|---|---|
| Street Address | 7011 BLUFF LN |
| City | OXFORD |
| State | MS |
| Zip | 38655-5968 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 259 WELLSGATE PHASE IV PREV APN: 088Q-23-087 |
| Legal Range | 04W |
| Legal Township | 08S |
| Legal Section | 23 |
| Legal Subdivision | WELLSGATE PHASE IV |
| Legal Phase | 4 |
| Legal Lot Number | 259 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 950404 |
7011 Bluff Ln is owned and occupied by two individuals who bought it in March 2024.
Source: Lafayette County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 26, 2024 | Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA |
| Nov 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BANKFIRST FINANCIAL SERVICES |
| Feb 16, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST COMMERCIAL BANK |
| Jun 8, 2022 | Warranty Deed, Transfer |
| Jun 8, 2022 | Warranty Deed, Transfer |
| Jun 11, 2019 | Warranty Deed, Transfer · Line of Credit BANKFIRST FINANCIAL SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2024 · Amount on File |
| Deed Sale | Mar 26, 2024 · Amount on File |
| Prior Sale | Jun 8, 2022 |
| Deed Document Number | 20242250 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Mar 26, 2024 |
| Property Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0020242250 |
| Map Reference | CAB B SL 74 |
| Instrument Date | Mar 25, 2024 |
| Instrument | 2024-2250 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1128 STARLING CIR, OXFORD, MS 38655-5964 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 306 MURRAY ST, OXFORD, MS 38655-2912 |
| Document Number | 0020242251 |
|---|---|
| Date | Mar 26, 2024 |
| Instrument | 2024-2251 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0201909359 |
|---|---|
| Date | Nov 7, 2019 |
| Instrument | 201909359 |
| Name | BANKFIRST FINANCIAL SERVICES |
|---|---|
| Type | Bank |
| Address | COLUMBUS, MS 39703 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0202201499 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 2022-01499 |
| Name | FIRST COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Jun 8, 2022 |
| Property Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0020225321 |
| Map Reference | CAB B SL 74 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 2022-5321 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 SAINT ANDREWS RD, 110, OXFORD, MS 38655-2638 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Jun 8, 2022 |
| Property Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0202205321 |
| Map Reference | CAB B SL 74 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 2022-05321 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 SAINT ANDREWS RD, 110, OXFORD, MS 38655-2638 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Recording Date | Jun 11, 2019 |
| Property Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0201904354 |
| Map Reference | CAB B SL 74 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 201904354 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 469 NORTH ST, 469, HERNANDO, MS 38632-1718 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7011 BLUFF LN, OXFORD, MS 38655-5968 |
| Document Number | 0201904355 |
|---|---|
| Date | Jun 11, 2019 |
| Instrument | 201904355 |
| Name | BANKFIRST FINANCIAL SERVICES |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Dec 22, 2019 |
The 2025 property tax bill for 7011 Bluff Ln was $5,347 with a homeowner's exemption.
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 | $5,347.00 Homeowner's exemption | $56,761 | $567,610 Land $60,000 Building $507,610 |
| 2023 | $3,838.00 Senior Citizen's exemption | $46,085 | $460,850 Land $60,000 Building $400,850 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 7011 Bluff Ln in Zone X, an area of minimal flood risk.
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 File 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 risk around 7011 Bluff Ln is low, with a 0.06% annual chance of 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.
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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