46 Breakers Ln, Ridgeland, MS 39157 Property Records

Madison County property record for 46 Breakers Ln, Ridgeland, MS 39157

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 2,168 sqft · built 1984
Lot Size	0.019 acres (862 sqft)
Owner	Individual Name on File
Tax Bill	$2,081 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072H-27C-072/08`

Property Details

APN / Parcel Number

Primary APN	`072H-27C-072/08`
Alternative APNs	`072H-27C-072/08.00` `15694`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,168 sqft Adjusted Area
Gross Area	1,024 sqft
1st Floor Area	1,024 sqft
2nd Floor Area	976 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	862 sqft (0.019 acres)
Deck Area	192 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	15694
Street Address	46 BREAKERS LN
City	RIDGELAND
State	MS
Zip	39157-1102
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 46 THE BREAKERS PHASE IV-B C@146 LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	27
Legal Subdivision	BREAKERS PH 4B
Legal Phase	1
Legal Unit	46
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1006
Census Tract	30107

Owner

46 Breakers Ln, a condominium, is owned and occupied by an individual who acquired it in May 2022.

Source: Madison County records, as of May 18, 2026

Owner of Record	Individual Name on File
Mailing Address	46 BREAKERS LN, RIDGELAND, MS 39157-1102
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
Apr 19, 2024	Deed of Trust, Mortgage · FHA Mortgage TRUSTMARK NATIONAL BANK
Jun 26, 2020	Deed of Trust, Mortgage PRIORITYONE BK
Oct 23, 2018	Deed of Trust, Mortgage WELLS FARGO BK
Mar 31, 2017	Deed of Trust, Mortgage BANKPLUS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022
Deed Sale	May 6, 2022
Deed Document Number	2022956359
Deed Book / Page	4205 / 445
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	46 BREAKERS LN, RIDGELAND, MS 39157-1102
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 S CONGRESS ST, JACKSON, MS 39201-3301

Mortgage

Document Number	004431/662
Date	Apr 19, 2024
Book Page	4431/662
Instrument	1002973

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	46 BREAKERS LN, RIDGELAND, MS 39157-1102
Document Number	0000894993
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 EASTPARK ST RIDGELAND MS 391572064, RIDGELAND, MS 39157-2064

Mortgage

Document Number	0000894993
Date	Jun 30, 2020
Book Page	003874/000988
Instrument	894993

Lender

Name	PRIORITYONE BK
Type	Bank
Address	RIDGELAND, MS 39157-1715

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 29, 2035

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	46 BREAKERS LN, RIDGELAND, MS 39157-1102
Document Number	0000853253
Instrument Date	Oct 23, 2018
Transaction Type	Mortgage
Record Updated	Nov 13, 2018
Title Company	RUCKETT LAND TITLE INC, LUCKETT LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 NORTHWIND DR BRANDON MS 390478683, BRANDON, MS 39047-8683

Mortgage

Document Number	0000853253
Date	Nov 1, 2018
Book Page	003662/000697
Instrument	853253

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, MN 55467-8000

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	46 BREAKERS LN, RIDGELAND, MS 39157-1102
Document Number	0000810185
Instrument Date	Mar 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 BREAKERS LN RIDGELAND MS 391571102, RIDGELAND, MS 39157-1102

Mortgage

Document Number	0000810185
Date	Mar 31, 2017
Book Page	003465/000021
Instrument	810185

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Amount	Amount on Record
Term	60 Months
Due	Mar 30, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 46 Breakers Ln was $2,081 with a homeowner's exemption, down 41.7% from the year before.

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	$2,081.00 (-41.74%) Homeowner's exemption	$22,102	$221,020 Land $89,920 Building $131,100
2024	$3,572.00 (+73.65%)
2023	$2,057.00 Homeowner's exemption	$21,881	$218,810 Land $89,920 Building $128,890

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

Flood

FEMA maps place 46 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 46 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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