Ridgeland, MS 39157 · Trace Harbour · Madison County
$529,000
$545,000 price reduced
$169.55 per sq ft
Open house
[DEMO] Four bedrooms with the primary down, in Trace Harbour off Highland Colony. Gunite pool resurfaced in 2022, both HVAC systems replaced 2021, and the roof carries a transferable workmanship warranty through 2029. Madison County School District.
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The school district from Census TIGER, the tax and assessment record, the neighbourhood picture, and a live FEMA flood determination — each under its own tab. Anything we have not verified is marked as such, with where to get it.
School assignment can change year to year. Verify with the district, not with a listing.
Flood
FIRM panel 28089C0558F · effective Mar 16, 2010
FEMA maps this location as Zone X — outside the 1%-annual-chance floodplain, outside both the 1%- and the 0.2%-annual-chance floodplains. No lender flood-insurance requirement applies. Minimal is not zero: FEMA reports that roughly one in three NFIP claims comes from low- and moderate-risk zones, and a standard homeowners policy does not cover flood in any zone.
FEMA draws a Flood Insurance Rate Map (FIRM) for each county and divides it into zones. The zone answers one question: how likely is this ground to flood in a given year.
Two things surprise buyers. First, the zone decides whether flood insurance is required, not what it costs — under Risk Rating 2.0, NFIP pricing comes from the building itself: distance to water, foundation, first-floor height, replacement cost. Second, maps change. A property can be mapped into a high-risk zone mid-loan, and a Letter of Map Amendment can take an individual structure back out of one.
Whatever the map says, a standard homeowners policy does not cover flood anywhere in Mississippi. Flood is always a separate policy.
This is an advisory flood-zone lookup drawn from FEMA's National Flood Hazard Layer as shown on the FIRM panel effective Mar 16, 2010. It is not a flood determination of record, not an insurance quote, and not a substitute for an elevation certificate or the flood determination your lender will order. FEMA revises flood maps; verify the current panel before you rely on it.
Outside downtown Jackson, most of this market is car-dependent and these scores say little. Drive the commute at the hour you would actually drive it.
We will pull the parcel record, the current tax bill, the association documents and a flood quote for 412 Trace Harbor Rd, Ridgeland, MS 39157 and send them in one email. No obligation, no drip campaign.
Insurance products are offered and placed by Continental Brokers Inc., an independent insurance agency. Bedford Realty, LLC is not an insurance agency, does not sell insurance, and receives no commission on policies placed. Coverage is subject to underwriting approval, policy terms, conditions and exclusions.
Listing data provided by Bedford demo data and last updated Aug 17, 2026. Information is deemed reliable but is not guaranteed and should be independently verified. Square footage, lot size, school assignment, tax figures and flood-zone designations are sourced from third parties. Bedford Realty, LLC is an Equal Housing Opportunity brokerage.
