3940 River Trace Dr, Diberville, MS 39540 Property Records

Harrison County property record for 3940 River Trace Dr, Diberville, MS 39540

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,732 sqft · built 2015
Owner	Individual Name on Record
Last Sale	$235,000 (Dec 2019)
Tax Bill	$2,495 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Dec 2019 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`1407L-01-005.035`

Property Details

APN / Parcel Number

Primary APN	`1407L-01-005.035`
Alternative APN	`140684`

Interior

Full Baths	2 Baths
Building Area	2,732 sqft Adjusted Area
1st Floor Area	1,564 sqft
2nd Floor Area	787 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	140684
Street Address	3940 RIVER TRACE DR
City	DIBERVILLE
State	MS
Zip	39540-5555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 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	11
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1039
Census Tract	3405

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	4951 WINDMILL AVE, DIBERVILLE, MS 39540-8835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Deed of Trust, Mortgage · FHA Mortgage HUD
Dec 5, 2019	Deed of Trust, Mortgage · FHA Mortgage CMG MORTGAGE INC
Mar 19, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 5, 2024	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Dec 5, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2019 · Amount on Record
Deed Sale	Dec 5, 2019 · Amount on Record
Deed Document Number	2019-0003456-D-J2
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	3940 RIVER TRACE DR, DIBERVILLE, MS 39540-5555
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20230004980TJ2
Date	Aug 24, 2023
Instrument	2023-0004980-T-J2

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Dec 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	3940 RIVER TRACE DR, DIBERVILLE, MS 39540-5555
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	PLACER TITLE COMPANY, PILGER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201903775TJ2
Date	Dec 5, 2019
Instrument	2019-03775-T-J2

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	3940 RIVER TRACE DR, DIBERVILLE, MS 39540-5555
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 RIVER TRACE DR, DIBERVILLE, MS 39540-5555

Mortgage

Document Number	20250001613TJ2
Date	Mar 19, 2025
Instrument	2025-0001613-T-J2

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	297 Months
Due	Dec 1, 2049

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	3940 RIVER TRACE DR, DIBERVILLE, MS 39540-5555
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3940 RIVER TRACE DR, DIBERVILLE, MS 39540-5555

Mortgage

Document Number	20240005377TJ2
Date	Sep 5, 2024
Instrument	2024-0005377-T-J2

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	303 Months
Due	Dec 1, 2049

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARRISON MS
Recording Date	Dec 5, 2019
Property Address	3940 RIVER TRACE DR, DIBERVILLE, MS 39540-5555
Document Number	201903456DJ2
Map Reference	PB 30 PG 6
Instrument Date	Nov 22, 2019
Instrument	2019-03456-D-J2
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2310 BLUEWING DR, BEAVERCREEK, OH 45431-4106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4951 WINDMILL AVE, DIBERVILLE, MS 39540-8835

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	$2,495.00 (+5.14%) Homeowner's exemption Disabled Person's exemption	$24,569 (+4.42%)	$245,689 (+4.42%) Land $45,000 Building $200,689
2024	$2,373.00 (-0.54%)
2023	$2,386.00 (-0.71%) Homeowner's exemption Disabled Person's exemption	$23,530	$235,295 Land $45,000 Building $190,295
2022	$2,403.00

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
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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