774 River Oaks Dr, West Point, MS 39773 Property Records

Clay County property record for 774 River Oaks Dr, West Point, MS 39773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,364 sqft · built 1992
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on File
Last Sale	$225,302 (Jun 2026)
Tax Bill	$873 (2025)
Deeds & Mortgages	Oct 2006 Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`056 06 0022900`

Property Details

APN / Parcel Number

Primary APN	`056 06 0022900`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Building Area	2,364 sqft Finished Area
1st Floor Area	1,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	27,878 sqft (0.64 acres)
Deck Area	221 sqft
Utility Building	240 sqft

Location & Zoning

Street Address	774 RIVER OAKS DR
City	WEST POINT
State	MS
Zip	39773-5561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 06 T 17 R 08 LOT A RIVER OAKS SUB PHASE I DB 320/704
Legal Range	08E
Legal Township	17
Legal Section	06
Legal Subdivision	RIVER OAKS SUB
Legal Phase	1
Legal Lot Number	A
Jurisdiction	CLAY MS
Township / Civil Division	1
Census Block Group	1
Census Block	1071
Census Tract	950500

Owner

774 River Oaks Dr is owned and occupied by an individual who bought it in June 2026.

Source: Clay County records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	774 RIVER OAKS DR, WEST POINT, MS 39773-5561
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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

Date	Document
Oct 11, 2006	Deed of Trust, Mortgage BANKFIRST FINANCIAL SERVICES
Jun 10, 2026	Warranty Deed, Transfer · VA Mortgage GUM TREE MORTGAGE
Jun 10, 2026	Warranty Deed, Transfer · VA Mortgage GUM TREE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on File
Deed Sale	Jun 10, 2026 · Amount on File
Prior Sale	Sep 12, 2024 · Amount on File
Deed Document Number	20262136
Deed Book / Page	327 / 494
Record Updated	Oct 29, 2026

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	774 RIVER OAKS DR, WEST POINT, MS 39773-5561
Transaction Type	Mortgage
Record Updated	Jun 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10627 RIVER OAKS DR, WEST POINT, MS 39773

Mortgage

Document Number	000373/277
Date	Oct 11, 2006
Book Page	373/277

Lender

Name	BANKFIRST FINANCIAL SERVICES
Address	538 HIGHWAY 45 N, WEST POINT, MS 39773

Agreement

Amount	Amount on Record
Term	60 Months
Due	Oct 9, 2011

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MS
Recording Date	Jun 10, 2026
Property Address	774 RIVER OAKS DR, WEST POINT, MS 39773-5561
Document Number	0000002136
Book / Page	327 / 494
Instrument Date	Jun 2, 2026
Instrument	20262136
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount 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
Address	774 RIVER OAKS DR, WEST POINT, MS 39773-5561
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002137,
Date	Jun 10, 2026
Instrument	20262137

Lender

Name	GUM TREE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MS
Recording Date	Jun 10, 2026
Property Address	774 RIVER OAKS DR, WEST POINT, MS 39773-5561
Document Number	DEED327/494
Book / Page	327 / 494
Instrument Date	Jun 2, 2026
Instrument	20262136
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	774 RIVER OAKS DR, WEST POINT, MS 39773-5561
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002137,
Date	Jun 10, 2026
Instrument	20262137

Lender

Name	GUM TREE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 774 River Oaks Dr was $873 with exemptions applied, down 41.1% from the year before.

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	$873.00 (-41.05%) Additional exemption filed	$17,557 (-33.33%) Land $2,000 Building $15,557	$175,573 (-) Land $20,000 Building $155,573
2024	$1,481.00 (-40.52%)	$26,336 (+20.03%) Land $3,000 Building $23,336	$175,573 (+20.03%) Land $20,000 Building $155,573
2023	$2,490.00 (+1.06%)	$21,941 Land $3,000 Building $18,941	$146,272 Land $20,000 Building $126,272
2022	$2,464.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 774 River Oaks Dr in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Aug 2005 · Hurricane Katrina

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 774 River Oaks Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 82% of Mississippi
Wildfire Likelihood	0.04% 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
4-County Fiber Fiber	1,000 / 1,000

May also be available: C Spire Wireless.

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