Pontotoc County property record for 78 Oneil St, Ecru, MS 38841
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,445 sqft · built 2008 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,954 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 098-33-000-008.05 |
| Primary APN | 098-33-000-008.05 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 2,445 sqft Living Area |
| 2nd Floor Area | 564 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 31,799 sqft (0.73 acres) |
| Porch | Porch |
| Porch Area | 836 sqft |
| Patio Area | 348 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 21109 |
|---|---|
| Street Address | 78 ONEIL ST |
| City | ECRU |
| State | MS |
| Zip | 38841-6104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .73 AC LOT 25 CHERRY CREEK CROSSING S/D NE1/4 20084444 09/03/08 512 864 7792 |
| Legal Lot Number | 25 |
| Jurisdiction | PONTOTOC MS |
| Township / Civil Division | 1 |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 950102 |
Source: Pontotoc County records, as of October 30, 2025
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 | 78 ONEIL ST, ECRU, MS 38841-6104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2020 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Apr 18, 2019 | Deed of Trust, Mortgage FIRST FEDERAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PONTOTOC MS |
| Property Address | 78 ONEIL ST, ECRU, MS 38841-6104 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 78 ONEIL ST, ECRU, MS 38841-6104 |
| Document Number | 2020003671 |
|---|---|
| Date | Oct 1, 2020 |
| Instrument | 2020003671 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PONTOTOC MS |
| Property Address | 78 ONEIL ST, ECRU, MS 38841-6104 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 78 ONEIL ST, ECRU, MS 38841-6104 |
| Document Number | 2019001479 |
|---|---|
| Date | Apr 18, 2019 |
| Instrument | 2019001479 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | May 1, 2049 |
Source: Pontotoc County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Pontotoc County |
| Municipality | Ecru Town |
| Unified School District | Pontotoc County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,954.00 Homeowner's exemption | $19,079 (-) | $190,786 (-) Land $7,550 Building $183,236 |
| 2023 | $2,954.00 | $19,079 | $190,786 Land $7,550 Building $183,236 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 19, 2010 · 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 |
| Nearby Flood Policies | 2 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 | Moderate above 46% of the US · above 44% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OAK HILL WATER ASSN public/private · serves 4,739 people · EPA ID MS0580004 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Buckeye Cablesystem Fiber | 10,000 / 10,000 |
| Tombigbee Fiber Fiber | 2,000 / 1,000 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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