81 Breakers Ln, Ridgeland, MS 39157 Property Records

Madison County property record for 81 Breakers Ln, Ridgeland, MS 39157

Property Summary

Property Type	Condominium
Details	3 bd · 1 ba · 2,313 sqft · built 1980
Lot Size	0.023 acres (1,015 sqft)
Owner	2 Individual Names on File
Last Sale	$441,560 (Feb 2024)
Tax Bill	$2,072 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072H-27C-025`

Property Details

APN / Parcel Number

Primary APN	`072H-27C-025`
Alternative APNs	`072H-27C-025/00.00` `15630`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,313 sqft Adjusted Area
Gross Area	1,120 sqft
1st Floor Area	1,120 sqft
2nd Floor Area	1,120 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
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,015 sqft (0.023 acres)
Deck Area	384 sqft
Patio Area	608 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	15630
Street Address	81 BREAKERS LN
City	RIDGELAND
State	MS
Zip	39157-1102
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 81 THE BREAKERS PHASE 2 LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	27
Legal Subdivision	BREAKERS
Legal Phase	2
Legal Unit	81
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1006
Census Tract	30107

Owner

81 Breakers Ln, a condominium, is owned and occupied by two individuals who bought it in February 2024.

Source: Madison County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	81 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
Jan 15, 2026	Deed of Trust, Mortgage · Commercial Mortgage UNITED MISSISSIPPI BANK
Feb 26, 2024	Warranty Deed, Transfer · Line of Credit UNITED MISSISSIPPI BANK
Jul 27, 2020	Deed of Trust, Mortgage TRUSTMARK NAT'L BK
Nov 7, 2017	Deed of Trust, Mortgage MOVEMENT MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2024 · Amount on File
Deed Sale	Feb 26, 2024 · Amount on File
Prior Sale	Sep 30, 2008 · Amount on File
Deed Document Number	2024999534
Deed Book / Page	4413 / 85
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	81 BREAKERS LN, RIDGELAND, MS 39157-1102
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 BREAKERS LN, RIDGELAND, MS 39157-1102

Mortgage

Document Number	004638/359
Date	Jan 15, 2026
Book Page	4638/359
Instrument	1044310

Lender

Name	UNITED MISSISSIPPI BANK
Type	Bank
Address	VIDALIA, LA 71373

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 5, 2056

Interest

Rate Type	Adjustable Rate

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON MS
Recording Date	Feb 26, 2024
Property Address	81 BREAKERS LN, RIDGELAND, MS 39157-1102
Document Number	0004413/85
Book / Page	4413 / 85
Map Reference	MB 466 PG 200
Instrument Date	Feb 23, 2024
Instrument	999534
Transaction Type	Transfer
Record Updated	Mar 11, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 SUMMERS LN, RIDGELAND, MS 39157-9232

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	81 BREAKERS LN, RIDGELAND, MS 39157-1102

Mortgage

Document Number	0000999535
Date	Feb 26, 2024
Instrument	999535

Lender

Name	UNITED MISSISSIPPI BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Mar 5, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	81 BREAKERS LN, RIDGELAND, MS 39157-1102
Document Number	0000897959
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 BREAKERS LN RIDGELAND MS 391571102, RIDGELAND, MS 39157-1102

Mortgage

Document Number	0000897959
Date	Aug 3, 2020
Book Page	003891/000638
Instrument	897959

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	81 BREAKERS LN, RIDGELAND, MS 39157-1102
Document Number	0000827881
Book / Page	003542 / 000749
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Dec 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 BREAKERS LN RIDGELAND MS 391571102, RIDGELAND, MS 39157-1102

Mortgage

Document Number	0000827881
Date	Nov 8, 2017
Book Page	003542/000749
Instrument	827881

Lender

Name	MOVEMENT MTG
Type	Mortgage Company
Address	SC 29707

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 81 Breakers Ln was $2,072 with a homeowner's exemption, up 37.8% 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	$2,072.00 (+37.77%) Homeowner's exemption	$22,981	$229,810 Land $89,600 Building $140,210
2024	$1,504.00
2023	$1,504.00 Homeowner's exemption	$22,759	$227,590 Land $89,600 Building $137,990

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

FEMA maps place 81 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 81 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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