Madison County property record for 18 Gallaghers Pass, Ridgeland, MS 39157
| Property Type | Single Family Home |
|---|---|
| Details | 2,816 sqft · built 2015 |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,849 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Mar 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072I-29B-248 |
| Primary APN | 072I-29B-248 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,816 sqft Adjusted Area |
| 1st Floor Area | 2,372 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Account Number | 49706 |
|---|---|
| Old Parcel Number | 072I-29B-248/00.00 |
| Street Address | 18 GALLAGHERS PASS |
| City | RIDGELAND |
| State | MS |
| Zip | 39157-9218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 09 GALLAGHERS PASS |
| Legal Range | 02E |
| Legal Township | 07N |
| Legal Section | 29 |
| Legal Subdivision | GALLAGHERS PASS |
| Legal Lot Number | 9 |
| Jurisdiction | MADISON MS |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30104 |
18 Gallaghers Pass is owned and occupied by two individuals who acquired it in February 2020.
Source: Madison County records, as of December 1, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18 GALLAGHERS PASS, RIDGELAND, MS 39157-9218 |
| 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.
| Date | Document |
|---|---|
| Sep 5, 2023 | Deed of Trust, Mortgage · FHA Mortgage CADENCE BANK NA |
| Mar 8, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CADENCE BANK NA |
| Feb 5, 2020 | Grant Deed, Transfer · FHA Mortgage BANCORPSOUTH |
| Jan 24, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2020 |
| Deed Sale | Feb 5, 2020 |
| Prior Sale | Jul 20, 2015 |
| Deed Document Number | 0003814501 |
| Deed Book / Page | 3814 / 501 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 18 GALLAGHERS PASS, RIDGELAND, MS 39157-9218 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 18 GALLAGHERS PASS, RIDGELAND, MS 39157-9218 |
| Document Number | 004367/183 |
|---|---|
| Date | Sep 5, 2023 |
| Book Page | 4367/183 |
| Instrument | 988901 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 318 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON MS |
| Property Address | 18 GALLAGHERS PASS, RIDGELAND, MS 39157-9218 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 18 GALLAGHERS PASS, RIDGELAND, MS 39157-9218 |
| Document Number | 004179/354 |
|---|---|
| Date | Mar 8, 2022 |
| Book Page | 4179/354 |
| Instrument | 952049 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38801 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Mar 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Feb 5, 2020 |
| Property Address | 18 GALLAGHERS PASS, RIDGELAND, MS 39157-9218 |
| Document Number | 0000884672 |
| Book / Page | 003814 / 000501 |
| Instrument Date | Jan 30, 2020 |
| Instrument | 884672 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 18 GALLAGHERS PASS RIDGELAND MS 391579218, RIDGELAND, MS 39157-9218 |
| Document Number | 884673 |
|---|---|
| Date | Feb 5, 2020 |
| Book Page | 003814/000504 |
| Instrument | 884673 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 4, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MADISON MS |
| Recording Date | Jan 24, 2019 |
| Property Address | 18 GALLAGHERS PASS, RIDGELAND, MS 39157-9218 |
| Document Number | 0000857414 |
| Book / Page | 003685 / 000597 |
| Instrument Date | Jan 24, 2019 |
| Instrument | 857414 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1068 HIGHLAND COLONY PKWY #300 RIDGELAND MS 391578807, 300, RIDGELAND, MS 39157-8807 |
The 2025 property tax bill for 18 Gallaghers Pass was $2,849 with a homeowner's exemption.
Source: Madison County assessment roll, as of September 1, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Madison County |
| Municipality | Ridgeland City |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,849.00 Homeowner's exemption | $29,224 | $292,240 Land $65,000 Building $227,240 |
| 2024 | $2,849.00 | ||
| 2023 | $2,849.00 Homeowner's exemption | $29,224 | $292,240 Land $65,000 Building $227,240 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Gallaghers Pass in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2009) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 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 risk around 18 Gallaghers Pass is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.7% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.02% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| C Spire Wireless Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| NETSPEEDMS Fixed Wireless | 301 / 172 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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