320 Pinehurst Cir, Ridgeland, MS 39157 Property Records

Madison County property record for 320 Pinehurst Cir, Ridgeland, MS 39157

Property Summary

Property Type	Other Improved
Details	7,660 sqft
Owner	2 Individual Names on File
Tax Bill	$9,503 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`071H-27-002/04.09`

Property Details

APN / Parcel Number

Primary APN	`071H-27-002/04.09`
Alternative APN	`39819`

Interior

Building Area	7,660 sqft Adjusted Area

Location & Zoning

Account Number	39819
Old Parcel Number	071H-27 -002/04.09
Street Address	320 PINEHURST CIR
City	RIDGELAND
State	MS
Zip	39157-6062
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT 6 PINEHURST AT HIGHLAND PARK OF RIDGELAND
Legal Range	01E
Legal Township	07N
Legal Section	27
Legal Subdivision	PINEHURST HIGHLAND PK RIDGELAND
Legal Lot Number	6
Jurisdiction	MADISON MS
Township / Civil Division	3
Census Block Group	1
Census Block	1008
Census Tract	30206

Owner

320 Pinehurst Cir is owned and occupied by two individuals who acquired it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	320 PINEHURST CIR, RIDGELAND, MS 39157-6062
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
Jun 17, 2022	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK
Jan 8, 2021	Deed of Trust, Mortgage BANCORPSOUTH
Feb 12, 2018	Trustee's Deed, Construction Loan · Line of Credit BANCORPSOUTH
Mar 6, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2017
Deed Sale	Mar 6, 2017
Prior Sale	Jun 1, 2011
Deed Document Number	0003451503
Deed Book / Page	3451 / 0503
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	320 PINEHURST CIR, RIDGELAND, MS 39157-6062
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 PINEHURST CIR, RIDGELAND, MS 39157-6062

Mortgage

Document Number	004224/352
Date	Jun 17, 2022
Book Page	4224/352
Instrument	959358

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	BRANDON, MS 39042

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 26, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	320 PINEHURST CIR, RIDGELAND, MS 39157-6062
Transaction Type	Mortgage
Record Updated	Jan 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2778 W JACKSON ST, TUPELO, MS 38801-0306

Mortgage

Document Number	004041/595
Date	May 21, 2021
Book Page	4041/595
Instrument	926788

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	320 PINEHURST CIR, RIDGELAND, MS 39157-6062
Document Number	0000915416
Instrument Date	Jan 8, 2021
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 PINEHURST CIR RIDGELAND MS 391576062, RIDGELAND, MS 39157-6062

Mortgage

Document Number	0000915416
Date	Jan 12, 2021
Book Page	003972/000680
Instrument	915416

Lender

Name	BANCORPSOUTH
Type	Bank
Address	BRANDON, MS 39042

Agreement

Amount	Amount on Record
Term	300 Months
Due	Jan 11, 2046

February 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MADISON MS
Recording Date	Feb 12, 2018
Property Address	320 PINEHURST CIR, RIDGELAND, MS 39157-6062
Book / Page	003570 / 000347
Instrument Date	Feb 9, 2018
Instrument	833204
Transaction Type	Construction Loan
Record Updated	Feb 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 BOLING ST JACKSON MS 392093355, JACKSON, MS 39209-3355

Mortgage

Document Number	0000833204
Date	Feb 12, 2018
Book Page	003570/000347
Instrument	833204

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 11, 2019

Interest

Rate Type	Adjustable Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	Mar 6, 2017
Property Address	320 PINEHURST CIR, RIDGELAND, MS 39157-6062
Document Number	0000807471
Book / Page	003451 / 000503
Instrument Date	Feb 13, 2017
Instrument	807471
Transaction Type	Transfer
Record Updated	Jun 30, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 BOLING ST JACKSON MS 392093355, JACKSON, MS 39209-3355

Tax Assessment & Valuation

The 2025 property tax bill for 320 Pinehurst Cir was $9,503 with a homeowner's exemption, down 13.9% 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	$9,503.00 (-13.86%) Homeowner's exemption	$90,976	$909,760 Land $77,000 Building $832,760
2024	$11,032.00
2023	$11,032.00 Homeowner's exemption	$105,162	$1,051,620 Land $77,000 Building $974,620

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

Flood

FEMA maps place 320 Pinehurst Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1994.

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 File median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	6 (1994–2007)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Dec 2007 · 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 320 Pinehurst Cir is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 80% of Mississippi
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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