107 Cherry Laurel Ln, Ridgeland, MS 39157 Property Records

Madison County property record for 107 Cherry Laurel Ln, Ridgeland, MS 39157

Property Summary

Property Type	Single Family Home
Details	7 ba · 7,921 sqft · built 2002
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individual Names on Record
Tax Bill	$17,448 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`071F-23B-062`

Property Details

APN / Parcel Number

Primary APN	`071F-23B-062`
Alternative APNs	`071F-23B-062/00.00` `5218`

Interior

Full Baths	7 Baths
Total Rooms	18 Rooms
Building Area	7,921 sqft Adjusted Area
Gross Area	4,877 sqft
1st Floor Area	4,877 sqft
2nd Floor Area	2,770 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,143 sqft (1.22 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	5218
Street Address	107 CHERRY LAUREL LN
City	RIDGELAND
State	MS
Zip	39157-8623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 100 BRIDGEWATER FOUR CONTAINING 1.22 AC - LESS .0054 AC IN NE COR
Legal Range	01E
Legal Township	07N
Legal Section	23
Legal Subdivision	BRIDGEWATER 04
Legal Lot Number	100
Jurisdiction	MADISON MS
Township / Civil Division	3
Census Block Group	2
Census Block	2008
Census Tract	30205

Owner

Source: Madison County records, as of December 2, 2025

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025
Deed Sale	Jul 8, 2025
Prior Sale	Oct 6, 2023
Deed Document Number	20251030757
Deed Book / Page	4574 / 48
Prior Transfer Date	Dec 13, 2024
Prior Transfer Doc	004510/448
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	107 CHERRY LAUREL LN, RIDGELAND, MS 39157-8623
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 CHERRY LAUREL LN, RIDGELAND, MS 39157-8623

Mortgage

Document Number	004006/519
Date	Mar 18, 2021
Book Page	4006/519
Instrument	920893

Lender

Name	ORIGIN BANK
Type	Bank
Address	MONROE, LA 71201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

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	$17,448.00 (+53.97%)	$161,921 (+56.42%)	$1,079,470 (+4.28%) Land $90,000 Building $989,470
2024	$11,332.00 (+4.39%)
2023	$10,855.00 Homeowner's exemption	$103,519	$1,035,190 Land $90,000 Building $945,190

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

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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