91 Breakers Ln, Ridgeland, MS 39157 Property Records

Madison County property record for 91 Breakers Ln, Ridgeland, MS 39157

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,329 sqft · built 1980
Owner	2 Individual Names on File
Tax Bill	$1,009 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`072H-27C-065`

Property Details

APN / Parcel Number

Primary APN	`072H-27C-065`
Alternative APNs	`072H-27C-065/00.00` `15670`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,329 sqft Adjusted Area
1st Floor Area	640 sqft
2nd Floor Area	640 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Deck Area	100 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	15670
Old Parcel Number	072H-27C-065/00.00
Street Address	91 BREAKERS LN
City	RIDGELAND
State	MS
Zip	39157-1105
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT 91 THE BREAKERS PHASE 1 LEASEHOLD
Legal Range	02E
Legal Township	07N
Legal Section	27
Legal Subdivision	BREAKERS
Legal Phase	1
Legal Lot Number	91
Jurisdiction	MADISON MS
Township / Civil Division	1
Census Block Group	1
Census Block	1006
Census Tract	30107

Owner

91 Breakers Ln, a condominium, is owned and occupied by two individuals who acquired it in August 2018.

Source: Madison County records, as of December 1, 2025

Owner of Record	2 Individual Names on File
Mailing Address	91 BREAKERS LN, RIDGELAND, MS 39157-1105
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
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jun 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFORDABLE LENDING GROUP LLC
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage AFFORDABLE LENDING GROUP LLC
Aug 20, 2018	Deed of Trust, Mortgage COMMUNITY BK/MS
Jan 24, 2018	Trustee's Deed, Construction Loan · Construction Mortgage COMMUNITY BK/MS
Jun 21, 2017	Deed of Trust, Mortgage FIDELITY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2018
Deed Sale	Aug 29, 2018
Deed Document Number	0003641547
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	91 BREAKERS LN, RIDGELAND, MS 39157-1105
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 BREAKERS LN, RIDGELAND, MS 39157-1105

Mortgage

Document Number	004606/184
Date	Oct 10, 2025
Book Page	4606/184
Instrument	1036603

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	91 BREAKERS LN, RIDGELAND, MS 39157-1105
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 BREAKERS LN 91, 91, RIDGELAND, MS 39157-1105

Mortgage

Document Number	4049/1
Date	Jun 4, 2021
Book Page	4049/1
Instrument	927908

Lender

Name	AFFORDABLE LENDING GROUP LLC
Type	Mortgage Company
Address	RIDGELAND, MS 39157

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	91 BREAKERS LN, RIDGELAND, MS 39157-1105
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 BREAKERS LN 91, 91, RIDGELAND, MS 39157-1105

Mortgage

Document Number	4043/920
Date	May 26, 2021
Book Page	4043/920
Instrument	927130

Lender

Name	AFFORDABLE LENDING GROUP LLC
Type	Mortgage Company
Address	RIDGELAND, MS 39157

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	91 BREAKERS LN, RIDGELAND, MS 39157-1105
Document Number	0000845924
Instrument Date	Aug 20, 2018
Transaction Type	Mortgage
Record Updated	Sep 7, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 SILVERTREE XING MADISON MS 391107418, MADISON, MS 39110-7418

Mortgage

Document Number	0000845924
Date	Aug 21, 2018
Book Page	003638/000874
Instrument	845924

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FOREST, MS 39074

Agreement

Amount	Amount on Record
Term	60 Months
Due	Aug 20, 2023

January 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MADISON MS
Recording Date	Jan 24, 2018
Property Address	91 BREAKERS LN, RIDGELAND, MS 39157-1105
Book / Page	003564 / 000835
Instrument Date	Jan 16, 2018
Instrument	832127
Transaction Type	Construction Loan
Record Updated	Feb 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 BREAKERS LN RIDGELAND MS 391571105, RIDGELAND, MS 39157-1105

Mortgage

Document Number	0000832127
Date	Jan 24, 2018
Book Page	003564/000835
Instrument	832127

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FOREST, MS 39074

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 23, 2019

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON MS
Property Address	91 BREAKERS LN, RIDGELAND, MS 39157-1105
Document Number	0000815359
Book / Page	003494 / 000455
Instrument Date	Jun 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	91 BREAKERS LN RIDGELAND MS 391571105, RIDGELAND, MS 39157-1105

Mortgage

Document Number	0000815359
Date	Jun 29, 2017
Book Page	003494/000455
Instrument	815359

Lender

Name	FIDELITY BK
Type	Bank
Address	MANDEVILLE, LA 70471

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 91 Breakers Ln was $1,009 with a homeowner's exemption.

Source: Madison County assessment roll, as of September 1, 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	$1,009.00 Homeowner's exemption	$17,806	$178,060 Land $88,400 Building $89,660
2024	$1,009.00
2023	$1,009.00 Homeowner's exemption	$17,704	$177,040 Land $88,400 Building $88,640

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

Flood

FEMA maps place 91 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 91 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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