3858 River Trace Dr, Diberville, MS 39540 Property Records

Harrison County property record for 3858 River Trace Dr, Diberville, MS 39540

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,301 sqft · built 2014
Lot Size	0.151 acres (6,576 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,617 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2023 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`1407L-01-005.047`

Property Details

APN / Parcel Number

Primary APN	`1407L-01-005.047`
Alternative APN	`140696`

Interior

Full Baths	1 Bath
Building Area	2,301 sqft Adjusted Area
1st Floor Area	1,968 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,576 sqft (0.151 acres)
Patio Area	204 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3858 RIVER TRACE DR
City	DIBERVILLE
State	MS
Zip	39540-5500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 RIVERS EDGE SUBD PH 2A SEC 1 SEC 33-6-9
Legal Range	09W
Legal Township	06S
Legal Section	33
Legal Subdivision	RIVERS EDGE SUBD PH 2A SEC 1
Legal Phase	2A
Legal Lot Number	23
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1063
Census Tract	3405

Owner

3858 River Trace Dr is owned by two individuals who acquired it in May 2023.

Source: Harrison County records, as of December 16, 2025

Owner of Record	2 Individual Names on File
Mailing Address	6031 HAZELNUT DR, DOVER, DE 19901-5903
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
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 26, 2023	Warranty Deed, Transfer · VA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2023
Deed Sale	May 26, 2023
Prior Sale	Jul 24, 2014 · Amount on File
Deed Document Number	20233138
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	3858 RIVER TRACE DR, DIBERVILLE, MS 39540-5500
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20220001680TJ2
Date	Mar 2, 2022
Instrument	2022-0001680-T-J2

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2041

Interest

Rate Type	Fixed Rate

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	May 26, 2023
Property Address	3858 RIVER TRACE DR, DIBERVILLE, MS 39540-5500
Document Number	20230003138DJ2
Map Reference	PB 30 PG 6
Instrument Date	May 5, 2023
Instrument	2023-0003138-D-J2
Transaction Type	Transfer
Record Updated	Nov 6, 2025
Title Company	PLACER TITLE COMPANY, PILGER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4619 PIERCE DR, HERNANDO, MS 38632-2568

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6031 HAZELNUT DR, DOVER, DE 19901-5903

Mortgage

Document Number	20230003139TJ2
Date	May 26, 2023
Instrument	2023-0003139-T-J2

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3858 River Trace Dr was $3,617, up 4.6% from the year before.

Source: Harrison County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Harrison County
Municipality	D'Iberville City
Unified School District	Harrison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,617.00 (+4.63%)	$31,792	$211,945 Land $45,000 Building $166,945
2024	$3,457.00 (+71.48%)
2023	$2,016.00 (-0.74%) Homeowner's exemption Disabled Person's exemption	$20,292	$202,922 Land $45,000 Building $157,922
2022	$2,031.00

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

FEMA maps place 3858 River Trace Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 194 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	194 in force
Nearby Flood Claims	40 (2005–2026)
Claims Outside the SFHA	18 of 40
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Tropical Storm Arthur, Jun 2026 · 3 claims Hurricane Ida, Aug 2021 · 17 claims Hurricane Katrina, Aug 2005 · 4 claims

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 3858 River Trace Dr is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 95% of Mississippi
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

May also be available: CoastConnect.

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