93 Lone Oak Rd, West Point, MS 39773 Property Records

Clay County property record for 93 Lone Oak Rd, West Point, MS 39773

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,681 sqft · built 1975
Lot Size	0.82 acres (35,719 sqft)
Owner	Individual Name on File
Tax Bill	$331 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`081B407A 0040000`

Property Details

APN / Parcel Number

Primary APN	`081B407A 0040000`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Building Area	1,681 sqft Finished Area
1st Floor Area	1,400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Combination
Roof Type	Gable
Roof Material	Shingle
Lot Area	35,719 sqft (0.82 acres)
Utility Building	134 sqft

Location & Zoning

Street Address	93 LONE OAK RD
City	WEST POINT
State	MS
Zip	39773-8107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 07 T 17 R 06 .82 AC LOT IN SE 1/4 SE 1/4 DB 294/275
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

Owner

93 Lone Oak Rd is owned and occupied by an individual who acquired it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	93 LONE OAK RD, WEST POINT, MS 39773-8107
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 1, 2023	Deed of Trust, Mortgage · FHA Mortgage MAGNOLIA BANK INC
Mar 16, 2018	Warranty Deed, Transfer
May 8, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2018
Deed Sale	Mar 16, 2018
Prior Sale	May 8, 2017
Deed Document Number	2018797
Deed Book / Page	297 / 607
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	93 LONE OAK RD, WEST POINT, MS 39773-8107
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 LONE OAK RD, WEST POINT, MS 39773-8107

Mortgage

Document Number	0LM578/416
Date	Dec 18, 2025
Book Page	LM 578/416
Instrument	2025006728

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	93 LONE OAK RD, WEST POINT, MS 39773-8107
Transaction Type	Mortgage
Record Updated	Mar 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000551/646
Date	Mar 1, 2023
Book Page	551/646
Instrument	2023000644

Lender

Name	MAGNOLIA BANK INC
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2053

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MS
Recording Date	Mar 16, 2018
Property Address	93 LONE OAK RD, WEST POINT, MS 39773-8107
Document Number	297/607
Book / Page	297 / 607
Instrument Date	Mar 16, 2018
Instrument	2018000797
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19638 HIGHWAY 50 W, 19638, WEST POINT, MS 39773-4767

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 LONE OAK RD, WEST POINT, MS 39773-8107

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MS
Recording Date	May 8, 2017
Property Address	93 LONE OAK RD, WEST POINT, MS 39773-8107
Document Number	294/275
Book / Page	294 / 275
Instrument Date	May 5, 2017
Instrument	2017002764
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	93 LONE OAK RD, 93, WEST POINT, MS 39773-8107

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	19638 HIGHWAY 50 W, WEST POINT, MS 39773-4767

Tax Assessment & Valuation

The 2025 property tax bill for 93 Lone Oak Rd was $331 with exemptions applied.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$331.00 Additional exemption filed	$8,579 (-) Land $1,040 Building $7,539	$85,788 (-) Land $10,400 Building $75,388
2024		$8,579 (+19.07%) Land $1,040 Building $7,539	$85,788 (+19.07%) Land $10,400 Building $75,388
2023	$784.00 (+0.38%) Additional exemption filed	$7,205 Land $1,040 Building $6,165	$72,049 Land $10,400 Building $61,649
2022	$781.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 93 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

Wildfire risk around 93 Lone Oak Rd is moderate, ranking above 40% 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 40% of the US · lower than 70% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 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

Cell Coverage

5G (outdoors only) and 4G LTE

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