3905 River Trace Dr, Diberville, MS 39540 Property Records

Harrison County property record for 3905 River Trace Dr, Diberville, MS 39540

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,949 sqft · built 2016
Owner	2 Individual Names on Record
Last Sale	$240,000 (Feb 2023)
Tax Bill	$1,849 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2019 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1407L-01-005.031`

Property Details

APN / Parcel Number

Primary APN	`1407L-01-005.031`
Alternative APN	`140680`

Interior

Full Baths	1 Bath
Building Area	1,949 sqft Adjusted Area
1st Floor Area	1,639 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
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	140680
Street Address	3905 RIVER TRACE DR
City	DIBERVILLE
State	MS
Zip	39540-5556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 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	7
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1040
Census Tract	3405

Owner

Source: Harrison County records, as of January 20, 2026

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	3905 RIVER TRACE DR, DIBERVILLE, MS 39540-5556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2019	Deed of Trust, Mortgage · VA Mortgage GULF SOUTH MORTGAGE LLC
Oct 8, 2019	Warranty Deed, Transfer
Oct 8, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2023 · Amount on Record
Deed Sale	Feb 9, 2023 · Amount on Record
Deed Document Number	2023-0000884-D-J2
Prior Transfer Date	Oct 8, 2019
Prior Transfer Doc	2019-2877-D-J2
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	3905 RIVER TRACE DR, DIBERVILLE, MS 39540-5556
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	UNKNOWN, BILOXI TITLE & GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20193065TJ2
Date	Oct 8, 2019
Instrument	2019-3065-T-J2

Lender

Name	GULF SOUTH MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Oct 8, 2019
Property Address	3905 RIVER TRACE DR, DIBERVILLE, MS 39540-5556
Document Number	20192877DJ2
Map Reference	PB 30 PG 6
Instrument Date	Oct 4, 2019
Instrument	2019-2877-D-J2
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8710 N DAVIS HWY, 8710, PENSACOLA, FL 32514-5933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 RIVER TRACE DR, DIBERVILLE, MS 39540

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Oct 8, 2019
Property Address	3905 RIVER TRACE DR, DIBERVILLE, MS 39540-5556
Document Number	20192877DJ2
Map Reference	PB 30 PG 6
Instrument Date	Oct 4, 2019
Instrument	2019-2877-D-J2
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8710 N DAVIS HWY, PENSACOLA, FL 32514-5933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 RIVER TRACE DR, DIBERVILLE, MS 39540

Tax Assessment & Valuation

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	$1,849.00 (+5.3%) Homeowner's exemption Disabled Person's exemption	$18,884 (-30.47%)	$188,841 (+4.3%) Land $45,000 Building $143,841
2024	$1,756.00 (-43.35%)
2023	$3,100.00 (-0.64%)	$27,159	$181,062 Land $45,000 Building $136,062
2022	$3,120.00

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 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 Record 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

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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