13 Breakers Ln, Ridgeland, MS 39157 Property Records

Madison County property record for 13 Breakers Ln, Ridgeland, MS 39157

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,990 sqft · built 1980
Owner	Individual Name on File
Tax Bill	$3,932 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`072H-27C-004`

Property Details

APN / Parcel Number

Primary APN	`072H-27C-004`
Alternative APNs	`072H-27C-004/00.00` `15609`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,990 sqft Adjusted Area
1st Floor Area	1,099 sqft
2nd Floor Area	912 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	78 sqft
Patio Area	375 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	15609
Old Parcel Number	072H-27C-004/00.00
Street Address	13 BREAKERS LN
City	RIDGELAND
State	MS
Zip	39157-1101
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 13 THE BREAKERS PHASE 4 B@53 LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	27
Legal Subdivision	BREAKERS PH 4A
Legal Phase	4
Legal Lot Number	13
Legal Unit	13
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1006
Census Tract	30107

Owner

13 Breakers Ln, a condominium, is owned by an individual who acquired it in February 2016.

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

Owner of Record	Individual Name on File
Mailing Address	57 BREAKERS LN, RIDGELAND, MS 39157-1102
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
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Jun 22, 2020	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Aug 11, 2010
Last Transfer Date	Feb 19, 2016
Transfer Doc	0000778413
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	13 BREAKERS LN, RIDGELAND, MS 39157-1101
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 BREAKERS LN, RIDGELAND, MS 39157-1101

Mortgage

Document Number	004135/414
Date	Nov 19, 2021
Book Page	4135/414
Instrument	944613

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Oct 26, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	13 BREAKERS LN, RIDGELAND, MS 39157-1101
Document Number	0000895215
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 BREAKERS LN RIDGELAND MS 391571101, RIDGELAND, MS 39157-1101

Mortgage

Document Number	0000895215
Date	Jul 2, 2020
Book Page	003876/000275
Instrument	895215

Lender

Name	BANCORPSOUTH
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 1, 2025

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 13 Breakers Ln was $3,932, up 140.3% from the year before.

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	$3,932.00 (+140.34%)	$36,492	$243,280 Land $118,560 Building $124,720
2024	$1,636.00
2023	$1,636.00 Homeowner's exemption	$23,812	$238,120 Land $118,560 Building $119,560

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

Flood

FEMA maps place 13 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

Wildfire risk around 13 Breakers Ln is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.1% of Mississippi
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

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