21781 Cecil Ladner Rd, Saucier, MS 39574 Property Records

Harrison County property record for 21781 Cecil Ladner Rd, Saucier, MS 39574

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,907 sqft · built 2017
Lot Size	6.4 acres (278,784 sqft)
Owner	2 Individual Names on Record
Last Sale	$55,000 (Nov 2016)
Tax Bill	$1,487 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0603K-01-003.000`

Property Details

APN / Parcel Number

Primary APN	`0603K-01-003.000`
Alternative APN	`091736`

Interior

Full Baths	1 Bath
Building Area	1,907 sqft Adjusted Area
1st Floor Area	1,860 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	278,784 sqft (6.4 acres)
Garage Type	Mixed
Garage Area	960 sqft
Carport	Carport
Carport Area	770 sqft
Parking Spaces	6 Parking Spaces
Utility Building	50 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	091736
Street Address	21781 CECIL LADNER RD
City	SAUCIER
State	MS
Zip	39574-8232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6.5 AC BEG 1036 FT E OF INTER E R/W YANKEE TOWN RD & S R/W CECIL LADNER RD S 300 FT W 20 FT S 349 FT W 410 FT N 649 FT E 430
Legal Range	12
Legal Township	05
Legal Section	23
Legal Subdivision	WHISPERING PINES SUBD
Legal Lot Number	9-10 10
Jurisdiction	HARRISON MS
Township / Civil Division	2
Census Block Group	2
Census Block	2013
Census Tract	3506

Owner

Source: Harrison County records, as of December 15, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	21781 CECIL LADNER RD, SAUCIER, MS 39574-8232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Nov 8, 2017	Deed of Trust, Mortgage GULF COAST FCU
Feb 3, 2017	Deed of Trust, Mortgage GULF COAST COMMUNITY FCU
Sep 26, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2016 · Amount on Record
Deed Sale	Nov 3, 2016 · Amount on Record
Deed Document Number	2016-0008341-D-J1
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Recording Date	Jun 2, 2026
Property Address	21781 CECIL LADNER RD, SAUCIER, MS 39574-8232
Document Number	0000010739
Instrument Date	May 23, 2026
Instrument	202610739
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21781 CECIL LADNER RD, SAUCIER, MS 39574-8232

Mortgage

Document Number	0000010739,
Date	Jun 2, 2026
Instrument	202610739

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	371 Months
Due	May 23, 2057

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	21781 CECIL LADNER RD, SAUCIER, MS 39574-8232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170009878TJ1
Date	Nov 8, 2017
Instrument	2017-0009878-T-J1

Lender

Name	GULF COAST FCU
Type	Credit Union
Address	GULFPORT, MS 39503

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	21781 CECIL LADNER RD, SAUCIER, MS 39574-8232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170001102TJ1
Date	Feb 3, 2017
Instrument	2017-0001102-T-J1

Lender

Name	GULF COAST COMMUNITY FCU
Type	Credit Union
Address	GULFPORT, MS 39503

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 3, 2018

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	21781 CECIL LADNER RD, SAUCIER, MS 39574-8232
Transaction Type	Mortgage
Record Updated	Nov 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20198378TJ1
Date	Sep 26, 2019
Instrument	2019-8378-T-J1

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Harrison County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Harrison County
Unified School District	Harrison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,487.00 (+11.14%) Homeowner's exemption Disabled Person's exemption	$18,933 (+8.87%)	$189,327 (+8.88%) Land $56,200 Building $133,127
2024	$1,338.00 (-0.74%)
2023	$1,348.00 (-0.88%) Homeowner's exemption Disabled Person's exemption	$17,390	$173,892 Land $51,087 Building $122,805
2022	$1,360.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective April 8, 2026 · 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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Jun 2026 · Tropical Storm Arthur

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	High above 80% of the US · above 96% of Mississippi
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
CoastConnect Fiber	2,000 / 1,000
Sparklight Cable	1,000 / 50
C Spire Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

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