3864 River Trace Dr, Diberville, MS 39540 Property Records

Harrison County property record for 3864 River Trace Dr, Diberville, MS 39540

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,061 sqft · built 2015
Owner	Individual Name on File
Last Sale	$235,000 (Oct 2021)
Tax Bill	$3,323 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`1407L-01-005.046`

Property Details

APN / Parcel Number

Primary APN	`1407L-01-005.046`
Alternative APN	`140695`

Interior

Full Baths	1 Bath
Building Area	2,061 sqft Adjusted Area
1st Floor Area	1,733 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	140695
Street Address	3864 RIVER TRACE DR
City	DIBERVILLE
State	MS
Zip	39540-5500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 RIVERS EDGE SUBD PH 2A SEC 1 SEC 33-6-9
Legal Range	09
Legal Township	06
Legal Section	33
Legal Subdivision	RIVERS EDGE SUBD PH 2A SEC 1
Legal Phase	2A
Legal Lot Number	22
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1063
Census Tract	3405

Owner

3864 River Trace Dr is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3864 RIVER TRACE DR, DIBERVILLE, MS 39540-5500
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
Jul 29, 2020	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE SOLUTIONS OF CO LLC
Oct 20, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2021 · Amount on File
Deed Sale	Oct 20, 2021 · Amount on File
Deed Document Number	2021-0018512-D-J2
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	3864 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	20200002566TJ2
Date	Jul 29, 2020
Instrument	2020-0002566-T-J2

Lender

Name	MORTGAGE SOLUTIONS OF CO LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 1, 2045

Interest

Rate Type	Fixed Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Oct 20, 2021
Property Address	3864 RIVER TRACE DR, DIBERVILLE, MS 39540-5500
Document Number	20210018512
Map Reference	PB 30 PG 6
Instrument Date	Oct 15, 2021
Instrument	20210018512
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2299 RUE MAISON, BILOXI, MS 39532-3244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3864 RIVER TRACE DR, DIBERVILLE, MS 39540-5500

Mortgage

Document Number	20210018514
Date	Oct 20, 2021
Instrument	20210018514

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3864 River Trace Dr was $3,323, up 4.5% from the year before.

Source: Harrison County assessment roll, as of September 1, 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	$3,323.00 (+4.5%)	$29,206	$194,705 Land $45,000 Building $149,705
2024	$3,180.00 (-0.5%)
2023	$3,196.00 (-0.62%)	$27,999	$186,658 Land $45,000 Building $141,658
2022	$3,216.00

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 3864 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 3864 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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