103 Cherry Laurel Ln, Ridgeland, MS 39157 Property Records

Madison County property record for 103 Cherry Laurel Ln, Ridgeland, MS 39157

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 7,766 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,929,578 (Jun 2026)
Tax Bill	$13,687 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`071F-23B-060`

Property Details

APN / Parcel Number

Primary APN	`071F-23B-060`
Alternative APNs	`071F-23B-060/00.00` `5216`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	7,766 sqft Adjusted Area
Gross Area	5,410 sqft
1st Floor Area	5,410 sqft
2nd Floor Area	1,589 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Patio Area	473 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	5216
Street Address	103 CHERRY LAUREL LN
City	RIDGELAND
State	MS
Zip	39157-8623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 98 BRIDGEWATER FOUR CONTAINING 1.0 AC
Legal Range	01E
Legal Township	07N
Legal Section	23
Legal Subdivision	BRIDGEWATER 04
Legal Lot Number	98
Jurisdiction	MADISON MS
Township / Civil Division	3
Census Block Group	2
Census Block	2008
Census Tract	30205

Owner

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

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	103 CHERRY LAUREL LN, RIDGELAND, MS 39157-8623
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Warranty Deed, Transfer · Conventional Mortgage BANKPLUS
Oct 19, 2022	Warranty Deed, Transfer · Line of Credit BANKPLUS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2026 · Amount on Record
Deed Sale	Jun 12, 2026 · Amount on Record
Prior Sale	Mar 19, 2025
Deed Document Number	20261053556
Deed Book / Page	4693 / 917
Prior Transfer Date	Nov 3, 2014
Prior Transfer Doc	03150/0945
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	Jun 12, 2026
Property Address	103 CHERRY LAUREL LN, RIDGELAND, MS 39157-8623
Document Number	0001053556
Book / Page	4693 / 917
Instrument Date	Jun 12, 2026
Instrument	20261053556
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	COVENANT TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Relationship	Tenants by the Entirety
Address	103 CHERRY LAUREL LN, RIDGELAND, MS 39157-8623

Mortgage

Document Number	0001053556,
Date	Jun 12, 2026
Book Page	4693/920
Instrument	20261053556

Lender

Name	BANKPLUS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Jul 25, 2033

Interest

Rate	6.3%
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	Oct 19, 2022
Property Address	103 CHERRY LAUREL LN, RIDGELAND, MS 39157-8623
Document Number	004270/463
Book / Page	4270 / 463
Map Reference	CAB D SL 37&38
Instrument Date	Oct 18, 2022
Instrument	970873
Transaction Type	Transfer
Record Updated	Feb 12, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	232 BOXWOOD CIR, BRANDON, MS 39047-8006

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 CHERYL LN, MADISON, MS 39110-9407

Mortgage

Document Number	0000970874
Date	Oct 19, 2022
Instrument	970874

Lender

Name	BANKPLUS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Nov 1, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Madison County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Madison County
Municipality	Ridgeland City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,687.00 (+55.11%)	$127,017 (-)	$846,780 (-) Land $90,000 Building $756,780
2024	$8,824.00 (-35.53%)
2023	$13,687.00	$127,017	$846,780 Land $90,000 Building $756,780

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2016 · other causes

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 90% of Mississippi
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 RIDGELAND serves 24,340 people · EPA ID MS0450013
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2021
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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber · Fixed Wireless in parts of the area	8,000 / 8,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: NETSPEEDMS.

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