77 Breakers Ln, Ridgeland, MS 39157 Property Records

Madison County property record for 77 Breakers Ln, Ridgeland, MS 39157

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 2,719 sqft · built 1980
Lot Size	0.031 acres (1,353 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,453 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2019 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072H-27C-047`

Property Details

APN / Parcel Number

Primary APN	`072H-27C-047`
Alternative APNs	`072H-27C-047/00.00` `15652`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,719 sqft Adjusted Area
Gross Area	1,644 sqft
1st Floor Area	1,644 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	1,353 sqft (0.031 acres)
Deck Area	384 sqft
Patio Area	376 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	15652
Street Address	77 BREAKERS LN
City	RIDGELAND
State	MS
Zip	39157-1102
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 77 THE BREAKERS PHASE 2 B@39 LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	27
Legal Subdivision	BREAKERS
Legal Phase	2
Legal Unit	77
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1006
Census Tract	30107

Owner

Source: Madison County records, as of August 11, 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	77 BREAKERS LN, RIDGELAND, MS 39157-1102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF COMMERCE
Aug 14, 2019	Trustee's Deed, Construction Loan · Construction Mortgage BANKPLUS
Aug 2, 2018	Trustee's Deed, Construction Loan · Construction Mortgage BANKPLUS
Jul 2, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021
Deed Sale	Dec 16, 2021
Prior Sale	Jul 2, 2018
Deed Document Number	2021946378
Deed Book / Page	4146 / 799
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Recording Date	Aug 4, 2026
Property Address	77 BREAKERS LN, RIDGELAND, MS 39157-1102
Document Number	0001056760
Book / Page	4714 / 75
Instrument Date	May 26, 2026
Instrument	20261056760
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	521 W PARK AVE, GREENWOOD, MS 38930-2955

Mortgage

Document Number	0001056760,
Date	Aug 4, 2026
Book Page	4714/75
Instrument	20261056760

Lender

Name	BANK OF COMMERCE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	57 Months
Due	May 26, 2031

Interest

Rate	6.3%
Max Rate	-1%

August 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MADISON MS
Recording Date	Aug 14, 2019
Property Address	77 BREAKERS LN, RIDGELAND, MS 39157-1102
Book / Page	003753 / 000705
Instrument Date	Aug 6, 2019
Instrument	870173
Transaction Type	Construction Loan
Record Updated	Aug 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 BREAKERS LN RIDGELAND MS 391571102, RIDGELAND, MS 39157-1102

Mortgage

Document Number	0000870173
Date	Aug 14, 2019
Book Page	003753/000705
Instrument	870173

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 13, 2020

August 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MADISON MS
Recording Date	Aug 2, 2018
Property Address	77 BREAKERS LN, RIDGELAND, MS 39157-1102
Book / Page	003631 / 000574
Instrument Date	Jul 30, 2018
Instrument	844495
Transaction Type	Construction Loan
Record Updated	Aug 24, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 ARROWHEAD TRL BRANDON MS 390476347, BRANDON, MS 39047-6347

Mortgage

Document Number	0000844495
Date	Aug 2, 2018
Book Page	003631/000574
Instrument	844495

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 1, 2019

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MADISON MS
Recording Date	Jul 2, 2018
Property Address	77 BREAKERS LN, RIDGELAND, MS 39157-1102
Document Number	0000842192
Book / Page	003618 / 000930
Instrument Date	Jun 25, 2018
Instrument	842192
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	172 GREEN GLADES RIDGELAND MS 391578662, RIDGELAND, MS 39157-8662

Tax Assessment & Valuation

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	$2,453.00 (+0.74%) Homeowner's exemption	$30,270 (+0.56%)	$302,700 (+0.56%) Land $153,120 Building $149,580
2024	$2,435.00
2023	$2,435.00 Homeowner's exemption	$30,102	$301,020 Land $153,120 Building $147,900

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

Flood

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 Record 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

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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