Madison County property record for 106 Southern Ridge Dr, Madison, MS 39110
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 7 ba · 4,744 sqft · built 1994 |
| Lot Size | 1.03 acres (45,235 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $893,760 (Jun 2026) |
| Tax Bill | $5,882 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Jun 2026 Sale & Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 081H-33-003/01.18 |
| Primary APN | 081H-33-003/01.18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 7 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 4,744 sqft Adjusted Area |
| Gross Area | 3,623 sqft |
| 1st Floor Area | 3,623 sqft |
| 2nd Floor Area | 825 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 45,235 sqft (1.03 acres) |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|
| Account Number | 21426 |
|---|---|
| Street Address | 106 SOUTHERN RIDGE DR |
| City | MADISON |
| State | MS |
| Zip | 39110-9436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 53 ANNANDALE PART B-3 |
| Legal Range | 01E |
| Legal Township | 08N |
| Legal Section | 33 |
| Legal Subdivision | ANNANDALE PT B3 |
| Legal Lot Number | 53 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 30301 |
106 Southern Ridge Dr is owned and occupied by two individuals who bought it in June 2026.
Source: Madison County records, as of June 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 16, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST COMMERCIAL BANK |
| Jun 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 16, 2020 | Deed of Trust, Mortgage COMMUNITY BK/MS |
| Dec 20, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF YAZOO CTY |
| Sep 11, 2018 | Deed of Trust, Mortgage COMMUNITY BK/MS |
| May 17, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 30, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage BANKFIRST FIN'L SVCS |
| May 23, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2026 · Amount on File |
| Deed Sale | Jun 12, 2026 · Amount on File |
| Prior Sale | May 17, 2018 |
| Deed Document Number | 20261053563 |
| Deed Book / Page | 4694 / 38 |
| Prior Transfer Date | May 16, 2022 |
| Prior Transfer Doc | 0000957831 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Document Number | 004259/260 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 4259/260 |
| Instrument | 965855 |
| Name | FIRST COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Address | RIDGELAND, MS 39157 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 12, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Jun 12, 2026 |
| Property Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Document Number | 0001053563 |
| Book / Page | 4694 / 38 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20261053563 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Investor | Possibly a Property Investor |
| Document Number | 0001053563, |
|---|---|
| Date | Jun 12, 2026 |
| Book Page | 4694/41 |
| Instrument | 20261053563 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Document Number | 0000908382 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 106 SOUTHERN RIDGE DR MADISON MS 391109436, MADISON, MS 39110-9436 |
| Document Number | 0000908382 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | 003932/000706 |
| Instrument | 908382 |
| Name | COMMUNITY BK/MS |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 20, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Document Number | 0000856569 |
| Instrument Date | Dec 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | RUCKETT LAND TITLE INC, LUCKETT LAND TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 106 SOUTHERN RIDGE DR MADISON MS 391109436, MADISON, MS 39110-9436 |
| Document Number | 0000856569 |
|---|---|
| Date | Jan 7, 2019 |
| Book Page | 003681/000389 |
| Instrument | 856569 |
| Name | BANK OF YAZOO CTY |
|---|---|
| Type | Bank |
| Address | YAZOO CITY, MA 39194 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 6, 2024 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Document Number | 0000848075 |
| Instrument Date | Sep 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 1400 MADISON MS 391301400, MADISON, MS 39130-1400 |
| Document Number | 0000848075 |
|---|---|
| Date | Sep 20, 2018 |
| Book Page | 003649/000409 |
| Instrument | 848075 |
| Name | COMMUNITY BK/MS |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 19, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | May 17, 2018 |
| Property Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Document Number | 0000839016 |
| Book / Page | 003601 / 000439 |
| Instrument Date | May 14, 2018 |
| Instrument | 839016 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 273 HOY FARMS DR MADISON MS 391106201, MADISON, MS 39110-6201 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | May 30, 2017 |
| Property Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Book / Page | 003482 / 000813 |
| Instrument Date | May 19, 2017 |
| Instrument | 813328 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 273 HOY FARMS DR MADISON MS 391106201, MADISON, MS 39110-6201 |
| Document Number | 0000813328 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 003482/000813 |
| Instrument | 813328 |
| Name | BANKFIRST FIN'L SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | MADISON, MS 39110 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 29, 2018 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | May 23, 2017 |
| Property Address | 106 SOUTHERN RIDGE DR, MADISON, MS 39110-9436 |
| Document Number | 0000813027 |
| Book / Page | 003480 / 000964 |
| Instrument Date | Mar 19, 2017 |
| Instrument | 813027 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 273 HOY FARMS DR MADISON MS 391106201, MADISON, MS 39110-6201 |
The 2025 property tax bill for 106 Southern Ridge Dr was $5,882 with a homeowner's exemption.
Source: Madison County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Municipality | Madison City |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,882.00 Homeowner's exemption | $53,053 | $530,530 Land $84,750 Building $445,780 |
| 2024 | $5,882.00 | ||
| 2023 | $5,882.00 Homeowner's exemption | $53,053 | $530,530 Land $84,750 Building $445,780 |
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 106 Southern Ridge Dr 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 January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 5 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.
Wildfire risk around 106 Southern Ridge Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 81% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.05% 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 | BEAR CREEK W/A-WEST public/private · serves 26,677 people · EPA ID MS0450021 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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