Harrison County property record for 11385 Ruth Ct, Biloxi, MS 39532
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,716 sqft · built 1973 |
| Lot Size | 0.241 acres (10,525 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,144 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Apr 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 1208I-02-024.000 |
| Primary APN | 1208I-02-024.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 1,716 sqft Adjusted Area |
| 1st Floor Area | 1,075 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,525 sqft (0.241 acres) |
| Utility Building | 192 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 11385 RUTH CT |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39532-8300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 32 CEDAR LAKE SUBD UNIT 2 |
| Legal Range | 10W |
| Legal Township | 07S |
| Legal Section | 12 |
| Legal Subdivision | CEDAR LAKE SUBD UNIT 2 |
| Legal Lot Number | 32 |
| Legal Unit | 2 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 3311 |
11385 Ruth Ct is owned and occupied by an individual who acquired it in January 2025.
Source: Harrison County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11385 RUTH CT, BILOXI, MS 39532-8300 |
| 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.
| Date | Document |
|---|---|
| Sep 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage KEESLER FCU |
| Apr 26, 2023 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI |
| Sep 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage KEESLER FCU |
| Sep 18, 2019 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2025 |
| Deed Sale | Jan 24, 2025 |
| Prior Sale | Jul 22, 2021 |
| Deed Document Number | 2025407 |
| Transfer Doc | 20090002942DJ2 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 11385 RUTH CT, BILOXI, MS 39532-8300 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20192838TJ2 |
|---|---|
| Date | Sep 18, 2019 |
| Instrument | 2019-2838-T-J2 |
| Name | KEESLER FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 11385 RUTH CT, BILOXI, MS 39532-8300 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 20230002342TJ2 |
|---|---|
| Date | Apr 26, 2023 |
| Instrument | 2023-0002342-T-J2 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 96 Months |
| Due | Apr 21, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 11385 RUTH CT, BILOXI, MS 39532-8300 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20192838TJ2 |
|---|---|
| Date | Sep 18, 2019 |
| Instrument | 2019-2838-T-J2 |
| Name | KEESLER FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Sep 18, 2019 |
| Property Address | 11385 RUTH CT, BILOXI, MS 39532-8300 |
| Document Number | 20192712DJ2 |
| Map Reference | PB 6 PG 6 |
| Instrument Date | Sep 16, 2019 |
| Instrument | 2019-2712-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 450 GLEN WAY, 450, GULFPORT, MS 39507 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11385 RUTH CT, BILOXI, MS 39532-8300 |
The 2025 property tax bill for 11385 Ruth Ct was $1,144 with exemptions applied, up 3.9% from the year before.
Source: Harrison County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Mississippi |
| County | Harrison County |
| Municipality | Biloxi City |
| Unified School District | Harrison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,144.00 (+3.91%) Homeowner's exemption Disabled Person's exemption | $11,233 | $112,328 Land $30,000 Building $82,328 |
| 2024 | $1,101.00 (-0.63%) | ||
| 2023 | $1,108.00 (-0.72%) Homeowner's exemption Disabled Person's exemption | $10,880 | $108,800 Land $30,000 Building $78,800 |
| 2022 | $1,116.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11385 Ruth Ct in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective April 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 80 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 80 in force |
| Nearby Flood Claims | 8 (1998–2026) |
| Most Recent Claim | Jun 2026 · Tropical Storm Arthur |
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 risk around 11385 Ruth Ct is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 60% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| CoastConnect Fiber | 2,000 / 1,000 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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