Harrison County property record for 11709 River Estates Cir, Biloxi, MS 39532
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,326 sqft · built 1990 |
| Lot Size | 2.25 acres (98,101 sqft) |
| Owner | Individual Name on File |
| Last Sale | $418,950 (May 2023) |
| Tax Bill | $2,399 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage May 2023 Mortgage + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 1108J-01-002.012 |
| Primary APN | 1108J-01-002.012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,326 sqft Adjusted Area |
| 1st Floor Area | 1,936 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1992 |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 98,101 sqft (2.25 acres) |
| Patio Area | 200 sqft |
| Utility Building | 192 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 11709 RIVER ESTATES CIR |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39532-8605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 RIVER OAKS ESTATES PHASE II |
| Legal Range | 10W |
| Legal Township | 07S |
| Legal Section | 10 |
| Legal Subdivision | RIVER OAKS ESTATES PH II |
| Legal Phase | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 3407 |
11709 River Estates Cir is owned and occupied by an individual who bought it in May 2023.
Source: Harrison County records, as of June 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11709 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| 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 |
|---|---|
| Nov 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage KEESLER FCU |
| May 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage 121 FINANCIAL CU |
| Mar 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage USAA FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2023 · Amount on File |
| Deed Sale | May 31, 2023 · Amount on File |
| Prior Sale | Mar 29, 2021 · Amount on File |
| Deed Document Number | 20233201 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 11709 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 201903667TJ2 |
|---|---|
| Date | Nov 26, 2019 |
| Instrument | 2019-03667-T-J2 |
| Name | KEESLER FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 19, 2039 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | May 31, 2023 |
| Property Address | 11709 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Document Number | 20230003201DJ2 |
| Map Reference | PB 11 PG 30 |
| Instrument Date | May 30, 2023 |
| Instrument | 2023-0003201-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1646 OCEAN BREEZE LN, GULF BREEZE, FL 32563-9223 |
| Name | Verified Name |
|---|---|
| Address | 11709 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Document Number | 20230003202TJ2 |
|---|---|
| Date | May 31, 2023 |
| Instrument | 2023-0003202-T-J2 |
| Name | 121 FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 8.37% |
| Index | 1-Year CMT |
| Max Rate | 11.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Mar 29, 2021 |
| Property Address | 11709 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Document Number | 20210001275DJ2 |
| Map Reference | PB 11 PG 30 |
| Instrument Date | Mar 8, 2021 |
| Instrument | 2021-0001275-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11709 RIVER ESTATES CIR, 11709, BILOXI, MS 39532-8605 |
| Name | Verified Name |
|---|---|
| Address | 11709 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Document Number | 20210001427TJ2 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 2021-0001427-T-J2 |
| Name | USAA FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 11709 River Estates Cir was $2,399 with a homeowner's exemption, down 27.5% 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 | $2,399.00 (-27.5%) Homeowner's exemption | $24,565 | $245,652 Land $50,000 Building $195,652 |
| 2024 | $3,309.00 (+72.61%) | ||
| 2023 | $1,917.00 (-42.71%) Homeowner's exemption Disabled Person's exemption | $19,176 | $191,761 Land $50,000 Building $141,761 |
| 2022 | $3,346.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 11709 River Estates Cir in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 17.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 243 policies |
| 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 Event |
|
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 11709 River Estates Cir is high, ranking above 80% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 96% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF BILOXI-NORTH serves 9,858 people · EPA ID MS0240084 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Also Mapped Here | CITY OF BILOXI |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CoastConnect Fiber | 2,000 / 1,000 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| C Spire Wireless Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures