965 Billy White Rd, Pheba, MS 39755 Property Records

Clay County property record for 965 Billy White Rd, Pheba, MS 39755 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Year Built	Built 1980
Square Footage	1,784 sqft Finished Area
Lot Size	91,476 sqft (2.1 acres)
Occupancy	Owner Occupied
Last Sale	$131,300 (2023)
Tax Bill	$357.00 (2025)

Owner

Source: Clay County records · APN 103 23 0100100

Assessment roll updated January 27, 2026 · Last verified July 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 File
Mailing Address	965 BILLY WHITE RD, PHEBA, MS 39755-8355
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Her Husband

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 23, 2023 · Amount on Record
Deed Sale	May 23, 2023 · Amount on Record
Deed Doc Number	20233100
Deed Book / Page	315 / 753
Record Refreshed	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MS
Property Address	965 BILLY WHITE RD, PHEBA, MS 39755-8355
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000536/333
Date	Aug 16, 2021
Book Page	536/333
Instrument	2021004272

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded
Term	252 Months
Due	May 01, 2042

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated January 27, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$357.00 (-57.19%) Additional exemption filed	$8,898 (-) Land $619 Building $8,279	$88,972 (-) Land $6,186 Building $82,786
2024		$8,898 (+17.99%) Land $619 Building $8,279	$88,972 (+17.99%) Land $6,186 Building $82,786
2023	$834.00 (+58.25%) Additional exemption filed	$7,541 Land $619 Building $6,922	$75,408 Land $6,186 Building $69,222
2022	$527.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (28025C), updated November 27, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 29% of Mississippi
Wildfire Likelihood	About 1 in 2,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`103 23 0100100`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Building Area	1,784 sqft Finished Area
1st Floor	1,282 sqft 1st Floor
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick Veneer Exterior
Roof Construction	Gable Roof Construction
Roof Material	Shingle Roof
Lot Area	91,476 sqft (2.1 acres)
Utility Building	720 sqft Utility Building

Location & Zoning

Street Address	965 BILLY WHITE RD
City	PHEBA
State	MS
Zip	39755-8355
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S 23 T 20 R 12 2.1 AC ON S SIDE E 1/2 SE 1/4 SE 1/4 & PT NE COR SEC 26 DB 315/753
Legal Range	12E
Legal Township	20
Legal Section	23
Jurisdiction	CLAY MS
Minor Civil Division	5
Census Blockgroup	2
Census Block	2069
Census Tract	950200