123 Breakers Ln, Ridgeland, MS 39157 Property Records

Madison County property record for 123 Breakers Ln, Ridgeland, MS 39157

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,404 sqft · built 1980
Owner	Individual Name on File
Tax Bill	$1,577 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`072H-27C-059`

Property Details

APN / Parcel Number

Primary APN	`072H-27C-059`
Alternative APNs	`072H-27C-059/00.00` `15664`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,404 sqft Adjusted Area
1st Floor Area	1,120 sqft
2nd Floor Area	1,076 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	15664
Old Parcel Number	072H-27C-059/00.00
Street Address	123 BREAKERS LN
City	RIDGELAND
State	MS
Zip	39157-1105
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT 123 THE BREAKERS PHASE 1 LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	27
Legal Subdivision	BREAKERS
Legal Phase	1
Legal Lot Number	123
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1006
Census Tract	30107

Owner

123 Breakers Ln, a condominium, is owned and occupied by an individual who acquired it in August 2018.

Source: Madison County records, as of December 1, 2025

Owner of Record	Individual Name on File
Mailing Address	PO BOX 2057, MADISON, MS 39130-2057
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 23, 2018	Deed of Trust, Mortgage TRUSTMARK NAT'L BK
Jun 6, 2018	Trustee's Deed, Construction Loan · Line of Credit BANCORPSOUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2018
Deed Sale	Aug 13, 2018
Deed Document Number	0003635139
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	123 BREAKERS LN, RIDGELAND, MS 39157-1105
Document Number	0000844000
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2057 MADISON MS 391302057, MADISON, MS 39130-2057

Mortgage

Document Number	0000844000
Date	Jul 27, 2018
Book Page	003629/000021
Instrument	844000

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 26, 2033

June 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MADISON MS
Recording Date	Jun 6, 2018
Property Address	123 BREAKERS LN, RIDGELAND, MS 39157-1105
Book / Page	003609 / 000367
Instrument Date	Jun 6, 2018
Instrument	840568
Transaction Type	Construction Loan
Record Updated	Jun 25, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	123 BREAKERS LN RIDGELAND MS 391571105, RIDGELAND, MS 39157-1105

Mortgage

Document Number	0000840568
Date	Jun 6, 2018
Book Page	003609/000367
Instrument	840568

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jun 5, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 123 Breakers Ln was $1,577 with a homeowner's exemption.

Source: Madison County assessment roll, as of September 1, 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	$1,577.00 Homeowner's exemption	$23,692	$236,920 Land $94,400 Building $142,520
2024	$1,577.00
2023	$1,577.00 Homeowner's exemption	$23,470	$234,700 Land $94,400 Building $140,300

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

Flood

FEMA maps place 123 Breakers Ln in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 individual policies
Nearby Flood Policies	23 units insured incl. 10 condo units
Nearby Flood Claims	2 (2005–2009)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2009 · rainfall accumulation

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

The area around 123 Breakers Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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