321 Pinehurst Cir, Ridgeland, MS 39157 Property Records

Madison County property record for 321 Pinehurst Cir, Ridgeland, MS 39157

Property Summary

Property Type	Other Improved
Details	8,962 sqft · built 2016
Owner	2 Individual Names on Record
Tax Bill	$9,723 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`071H-27-002/04.14`

Property Details

APN / Parcel Number

Primary APN	`071H-27-002/04.14`
Alternative APN	`39824`

Interior

Building Area	8,962 sqft Adjusted Area
1st Floor Area	5,027 sqft

Exterior

Year Built	Built 2016

Location & Zoning

Account Number	39824
Old Parcel Number	071H-27 -002/04.14
Street Address	321 PINEHURST CIR
City	RIDGELAND
State	MS
Zip	39157-6063
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT 11 PINEHURST AT HIGHLAND PARK OF RIDGELAND
Legal Range	01E
Legal Township	07N
Legal Section	27
Legal Subdivision	PINEHURST HIGHLAND PK RIDGELAND
Legal Lot Number	11
Jurisdiction	MADISON MS
Township / Civil Division	3
Census Block Group	1
Census Block	1008
Census Tract	30206

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	321 PINEHURST CIR, RIDGELAND, MS 39157-6063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 12, 2014
Transfer Doc	0000746637
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	321 PINEHURST CIR, RIDGELAND, MS 39157-6063
Transaction Type	Mortgage
Record Updated	Nov 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 PINEHURST CIR, RIDGELAND, MS 39157-6063

Mortgage

Document Number	4080/311
Date	Aug 6, 2021
Book Page	4080/311
Instrument	933210

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	BRANDON, MS 39042

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Jun 26, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	321 PINEHURST CIR, RIDGELAND, MS 39157-6063
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	4041/759
Date	May 21, 2021
Book Page	4041/759
Instrument	926808

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

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

Tax Assessment & Valuation

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	$9,723.00 Homeowner's exemption	$93,013 (-)	$930,130 (-) Land $77,000 Building $853,130
2024	$9,723.00
2023	$9,723.00 Homeowner's exemption	$93,013	$930,130 Land $77,000 Building $853,130

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

Flood

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 Record 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 90% of Mississippi
Wildfire Likelihood	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.

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 49 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	2,000 / 250
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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