74 Breakers Ln, Ridgeland, MS 39157 Property Records

Madison County property record for 74 Breakers Ln, Ridgeland, MS 39157

Property Summary

Property Type	Condominium
Details	3 bd · 1 ba · 1,687 sqft · built 1980
Lot Size	0.02 acres (873 sqft)
Owner	Trust Name on File
Tax Bill	$1,439 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2022 Assignment + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072H-27C-044`

Property Details

APN / Parcel Number

Primary APN	`072H-27C-044`
Alternative APNs	`072H-27C-044/00.00` `15649`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,687 sqft Adjusted Area
Gross Area	887 sqft
1st Floor Area	887 sqft
2nd Floor Area	836 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Condo/Apartment
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	873 sqft (0.02 acres)
Deck Area	60 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	15649
Street Address	74 BREAKERS LN
City	RIDGELAND
State	MS
Zip	39157-1102
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT 74 THE BREAKERS PHASE 2 LEASE
Legal Range	02E
Legal Township	07N
Legal Section	27
Legal Subdivision	BREAKERS
Legal Phase	2
Legal Lot Number	74
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1006
Census Tract	30107

Owner

74 Breakers Ln, a condominium, is owner-occupied and held in a trust since October 2021.

Source: Madison County records, as of December 2, 2025

Owner of Record	Trust Name on File
Mailing Address	85 BREAKERS LN, RIDGELAND, MS 39157-1102
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANKPLUS
Sep 20, 2022	Assignment of Lease, Transfer
Jun 18, 2018	Deed of Trust, Mortgage BANCORPSOUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2021
Deed Sale	Oct 13, 2021
Prior Sale	Feb 8, 2013
Deed Document Number	2021941630
Deed Book / Page	4116 / 781
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	74 BREAKERS LN, RIDGELAND, MS 39157-1102
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004109/218
Date	Sep 29, 2021
Book Page	4109/218
Instrument	937580

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	85 Months
Due	Oct 29, 2028

September 2022: Assignment of Lease, Transfer

Document Type	Assignment of Lease
Jurisdiction	MADISON MS
Recording Date	Sep 20, 2022
Property Address	74 BREAKERS LN, RIDGELAND, MS 39157-1102
Document Number	004260/241
Book / Page	4260 / 241
Map Reference	MB 513 PG 567
Instrument Date	Sep 12, 2022
Instrument	966038
Transaction Type	Transfer
Record Updated	Oct 7, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	74 BREAKERS LANE, PUCKETT, MS 39151

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	74 BREAKERS LN, RIDGELAND, MS 39157-1102
Document Number	0000841368
Instrument Date	Jun 18, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018
Title Company	RUCKETT LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5788 OLD 96 FRANKLIN TN 370649368, FRANKLIN, TN 37064-9368

Mortgage

Document Number	0000841368
Date	Jun 19, 2018
Book Page	003614/000302
Instrument	841368

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Amount	Amount on Record
Term	300 Months
Due	Jun 18, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 74 Breakers Ln was $1,439 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	$1,439.00 Homeowner's exemption	$20,855	$208,550 Land $97,240 Building $111,310
2024	$1,439.00 (-56.85%)
2023	$3,335.00	$30,950	$206,330 Land $97,240 Building $109,090

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

Flood

FEMA maps place 74 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 74 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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