Harrison County property record for 11316 River Oaks Dr, Biloxi, MS 39532 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 4,484 sqft · built 1998 |
| Lot Size | 1.03 acres (45,054 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,382 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Jan 2018 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1108K-02-033.000 |
| Primary APN | 1108K-02-033.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 4,484 sqft Adjusted Area |
| 1st Floor Area | 3,763 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 45,054 sqft (1.03 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 11316 RIVER OAKS DR |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39532-8187 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 35 RIVER OAKS ESTATES |
| Legal Range | 10W |
| Legal Township | 07S |
| Legal Section | 09 |
| Legal Subdivision | RIVER OAKS ESTATES PH I |
| Legal Lot Number | 35 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 3407 |
Source: Harrison County records · APN 1108K-02-033.000
Assessment roll updated November 6, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11316 RIVER OAKS DR, BILOXI, MS 39532-8187 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 26, 2018 | Deed of Trust, Mortgage COMMUNITY BANK OF MISSISSIPPI |
| Jan 31, 2018 | Deed of Trust, Mortgage COMMUNITY BANK OF MISSISSIPPI |
| Oct 13, 2017 | Deed of Trust, Mortgage · FHA Mortgage COMMUNITY BANK COAST |
| Apr 28, 2021 | Warranty Deed, Transfer |
| Oct 13, 2017 | Special Warranty Deed, Transfer |
| Oct 13, 2017 | Special Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 28, 2021 |
| Deed Sale | Apr 28, 2021 |
| Prior Sale | Apr 28, 2021 |
| Deed Document Number | 20211727DJ2 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 11316 RIVER OAKS DR, BILOXI, MS 39532-8187 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 20180002208TJ2 |
|---|---|
| Date | Jul 26, 2018 |
| Instrument | 2018-0002208-T-J2 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FOREST, MS 39074 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jul 25, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 11316 RIVER OAKS DR, BILOXI, MS 39532-8187 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 20180000272TJ2 |
|---|---|
| Date | Jan 31, 2018 |
| Instrument | 2018-0000272-T-J2 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Feb 01, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 11316 RIVER OAKS DR, BILOXI, MS 39532-8187 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 20170003053TJ2 |
|---|---|
| Date | Oct 13, 2017 |
| Instrument | 2017-0003053-T-J2 |
| Name | COMMUNITY BANK COAST |
|---|---|
| Type | Bank |
| Address | BILOXI, MS 39533 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Sep 25, 2018 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Apr 28, 2021 |
| Property Address | 11316 RIVER OAKS DR, BILOXI, MS 39532-8187 |
| Document Number | 20210001727DJ2 |
| Map Reference | PB 10 PG 41 |
| Instrument Date | Apr 27, 2021 |
| Instrument | 2021-0001727-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10788 E TAYLOR RD, 10788, GULFPORT, MS 39503 |
| Name | Verified Name |
|---|---|
| Address | 11316 RIVER OAKS DR, BILOXI, MS 39532-8187 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Oct 13, 2017 |
| Property Address | 11316 RIVER OAKS DR, BILOXI, MS 39532-8187 |
| Document Number | 20170002519DJ2 |
| Map Reference | PL 10 PG 41 |
| Instrument Date | Oct 11, 2017 |
| Instrument | 2017-0002519-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2639, BAY SAINT LOUIS, MS 39521-2639 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11316 RIVER OAKS DR, BILOXI, MS 39532-8187 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Oct 13, 2017 |
| Property Address | 11316 RIVER OAKS DR, BILOXI, MS 39532-8187 |
| Document Number | 20170002519DJ2 |
| Map Reference | PL 10 PG 41 |
| Instrument Date | Oct 11, 2017 |
| Instrument | 2017-0002519-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2639, BAY SAINT LOUIS, MS 39521-2639 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11316 RIVER OAKS DR, BILOXI, MS 39532-8187 |
Source: Harrison County records · Assessment roll updated November 6, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Harrison County |
| Municipality | Biloxi City |
| Unified School District | Harrison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,382.00 (+41.96%) | $64,046 (+43.45%) | $426,975 (+43.45%) Land $45,000 Building $381,975 |
| 2024 | $5,200.00 (+0.74%) | ||
| 2023 | $5,162.00 (-0.64%) | $44,646 | $297,642 Land $45,000 Building $252,642 |
| 2022 | $5,195.00 |
Source: FEMA National Flood Hazard Layer, Harrison County (28047C), updated April 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 280470034073, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 243 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 243 in force |
| Nearby Flood Claims | 12 (2005–2026) |
| Claims Outside the SFHA | 3 of 12 |
| Most Recent Claim | Jun 2026, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | High above 70% of the US · above 89% of Mississippi |
|---|---|
| Wildfire Likelihood | About 1 in 299 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 50 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Telapex | Fiber | 8,000 / 8,000 |
| Coast Electric Power Association | Fiber | 2,000 / 1,000 |
| Cable One | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Telapex, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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