Clay County property record for 863 Lone Oak Rd, West Point, MS 39773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,852 sqft · built 1974 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $131,300 (Feb 2019) |
| Tax Bill | $400 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Jul 2018 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081B107A 0050000 |
| Primary APN | 081B107A 0050000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Total Rooms | 5 Rooms |
| Building Area | 1,852 sqft Finished Area |
| 1st Floor Area | 1,450 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Mixed |
| Street Address | 863 LONE OAK RD |
|---|---|
| City | WEST POINT |
| State | MS |
| Zip | 39773-8119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 07 T 17 R 06 1 AC IN N 1/2 S 1/2 NE 1/4 DB 315/464 |
| Legal Range | 06E |
| Legal Township | 17 |
| Legal Section | 07 |
| Jurisdiction | CLAY MS |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 950100 |
863 Lone Oak Rd is owned and occupied by two individuals who bought it in February 2019.
Source: Clay County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 863 LONE OAK RD, WEST POINT, MS 39773-8119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 12, 2019 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| Jul 31, 2018 | Deed of Trust, Mortgage JAMES L STAFFORD |
| May 12, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GUM TREE MORTGAGE LLC |
| May 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUM TREE MORTGAGE LLC |
| Feb 12, 2019 | Warranty Deed, Transfer |
| Jul 31, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2019 · Amount on File |
| Deed Sale | Feb 12, 2019 · Amount on File |
| Prior Sale | Jul 31, 2018 · Amount on File |
| Deed Document Number | 2019437 |
| Deed Book / Page | 300 / 809 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 863 LONE OAK RD, WEST POINT, MS 39773-8119 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000511/326 |
|---|---|
| Date | Feb 12, 2019 |
| Book Page | 511/326 |
| Instrument | 2019000438 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63166 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 396 Months |
| Due | Feb 11, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 863 LONE OAK RD, WEST POINT, MS 39773-8119 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000506/54 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 506/54 |
| Instrument | 2018003859 |
| Name | JAMES L STAFFORD |
|---|---|
| Type | Private Party |
| Address | WEST POINT, MS 39773 |
| Amount | Amount on Record |
|---|---|
| Term | 13 Months |
| Due | Jul 31, 2019 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MS |
| Property Address | 863 LONE OAK RD, WEST POINT, MS 39773-8119 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000553/673 |
|---|---|
| Date | May 12, 2023 |
| Book Page | 553/673 |
| Instrument | 2023002991 |
| Name | GUM TREE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | May 12, 2023 |
| Property Address | 863 LONE OAK RD, WEST POINT, MS 39773-8119 |
| Document Number | 000315/464 |
| Book / Page | 315 / 464 |
| Map Reference | DR 85 PG 87 |
| Instrument Date | May 12, 2023 |
| Instrument | 2023002990 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1391 GRIFFITH RD, CEDARBLUFF, MS 39741-9055 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 863 LONE OAK RD, WEST POINT, MS 39773-8119 |
| Document Number | 2023002991 |
|---|---|
| Date | May 12, 2023 |
| Instrument | 2023002991 |
| Name | GUM TREE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Feb 12, 2019 |
| Property Address | 863 LONE OAK RD, WEST POINT, MS 39773-8119 |
| Document Number | 300/809 |
| Book / Page | 300 / 809 |
| Instrument Date | Feb 11, 2019 |
| Instrument | 2019000437 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1625, WEST POINT, MS 39773-1625 |
| Name | Verified Name |
|---|---|
| Address | 863 LONE OAK RD, WEST POINT, MS 39773-8119 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MS |
| Recording Date | Jul 31, 2018 |
| Property Address | 863 LONE OAK RD, WEST POINT, MS 39773-8119 |
| Document Number | 298/913 |
| Book / Page | 298 / 913 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 2018003858 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1103, WEST POINT, MS 39773-1103 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1625, WEST POINT, MS 39773-1625 |
The 2025 property tax bill for 863 Lone Oak Rd was $400 with exemptions applied.
Source: Clay County assessment roll, as of January 27, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Clay County |
| Municipality | West Point City |
| Unified School District | West Point Consolidated School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $400.00 Additional exemption filed | $9,820 (-) Land $1,050 Building $8,770 | $98,197 (-) Land $10,500 Building $87,697 |
| 2024 | $9,820 (+19.84%) Land $1,050 Building $8,770 | $98,197 (+19.83%) Land $10,500 Building $87,697 | |
| 2023 | $926.00 (+0.33%) | $8,194 Land $1,050 Building $7,144 | $81,944 Land $10,500 Building $71,444 |
| 2022 | $923.00 |
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.
FEMA maps place 863 Lone Oak Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 863 Lone Oak Rd is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 62% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.07% 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 | CITY OF WEST POINT serves 15,062 people · EPA ID MS0130008 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| 4-County Fiber Fiber | 1,000 / 1,000 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
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