74 Smith Alford Dr, Cedarbluff, MS 39741 Property Records

Clay County property record for 74 Smith Alford Dr, Cedarbluff, MS 39741

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,395 sqft · built 2004
Lot Size	1.8 acres (78,408 sqft)
Owner	Individual Name on Record
Tax Bill	$747 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`065 32 0150100`

Property Details

APN / Parcel Number

Primary APN	`065 32 0150100`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Building Area	2,395 sqft Finished Area
1st Floor Area	1,940 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Shingle
Lot Area	78,408 sqft (1.8 acres)
Utility Building	190 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	74 SMITH ALFORD DR
City	CEDARBLUFF
State	MS
Zip	39741-9050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 32 T 16 R 05 TRACT IN SE 1/4 SE 1/4 DB 196/47 & 209/189
Legal Range	06E
Legal Township	16
Legal Section	32
Jurisdiction	CLAY MS
Township / Civil Division	3
Census Block Group	2
Census Block	2009
Census Tract	950100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	74 SMITH ALFORD DR, CEDARBLUFF, MS 39741-9050
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	74 SMITH ALFORD DR, CEDARBLUFF, MS 39741-9050
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 SMITH ALFORD DR, CEDARBLUFF, MS 39741-9050
Investor	Possibly a Property Investor

Mortgage

Document Number	0LM560/630
Date	Feb 20, 2024
Book Page	LM 560/630
Instrument	2024000680

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	WEST POINT, MS 39773

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 26, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$747.00 (-35.44%) Additional exemption filed	$15,472 (-) Land $976 Building $14,496	$154,722 (-) Land $9,759 Building $144,963
2024		$15,472 (+20.5%) Land $976 Building $14,496	$154,722 (+20.51%) Land $9,759 Building $144,963
2023	$1,157.00 (+1.94%) Additional exemption filed	$12,840 Land $976 Building $11,864	$128,394 Land $9,759 Building $118,635
2022	$1,135.00

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 November 27, 2025

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 40% of the US · lower than 70% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
4-County Fiber Fiber	1,000 / 1,000
C Spire Wireless Fixed Wireless	100 / 20