40 Breakers Ln, Ridgeland, MS 39157 Property Records

Madison County property record for 40 Breakers Ln, Ridgeland, MS 39157

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 2,550 sqft · built 1984
Lot Size	0.022 acres (987 sqft)
Owner	Individual Name on File
Tax Bill	$1,755 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`072H-27C-072/02`

Property Details

APN / Parcel Number

Primary APN	`072H-27C-072/02`
Alternative APNs	`072H-27C-072/02.00` `15688`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,550 sqft Adjusted Area
Gross Area	861 sqft
1st Floor Area	861 sqft
2nd Floor Area	906 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Condo/Apartment
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	987 sqft (0.022 acres)
Deck Area	168 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	15688
Street Address	40 BREAKERS LN
City	RIDGELAND
State	MS
Zip	39157-1101
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT 40 THE BREAKERS IVB LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	27
Legal Subdivision	BREAKERS PH 4B
Legal Lot Number	40
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1006
Census Tract	30107

Owner

40 Breakers Ln, a condominium, is owned and occupied by an individual.

Source: Madison County records, as of July 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	40 BREAKERS LN, RIDGELAND, MS 39157-1101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 10, 2022	Deed of Trust, Mortgage · Line of Credit PRIORITYONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	40 BREAKERS LN, RIDGELAND, MS 39157-1101
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 BREAKERS LN, RIDGELAND, MS 39157-1101

Mortgage

Document Number	004347/369
Date	Jul 6, 2023
Book Page	4347/369
Instrument	985034

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	40 BREAKERS LN, RIDGELAND, MS 39157-1101
Transaction Type	Mortgage
Record Updated	Dec 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 BREAKERS LN, RIDGELAND, MS 39157-1101

Mortgage

Document Number	0004277/72
Date	Nov 10, 2022
Book Page	4277/72
Instrument	972041

Lender

Name	PRIORITYONE BANK
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 40 Breakers Ln was $1,755 with a homeowner's exemption.

Source: Madison County assessment roll, as of November 7, 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	$1,755.00 Homeowner's exemption	$23,789	$237,890 Land $81,680 Building $156,210
2024	$1,755.00 (-21.62%)
2023	$2,239.00 Homeowner's exemption	$23,567	$235,670 Land $81,680 Building $153,990

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

Flood

FEMA maps place 40 Breakers Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 individual policies
Nearby Flood Policies	23 units insured incl. 10 condo units
Nearby Flood Claims	2 (2005–2009)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2009 · 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

The area around 40 Breakers Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 84 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	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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