Harrison County property record for 11735 River Estates Cir, Biloxi, MS 39532
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 4,070 sqft · built 1990 |
| Lot Size | 2.97 acres (129,739 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $627,760 (Apr 2023) |
| Tax Bill | $7,099 (2025) |
| Deeds & Mortgages | Nov 2014 Mortgage May 2013 Mortgage + 1 more |
| Flood Zone | Zone VE (high risk) |
| APN | 1108J-01-002.010 |
| Primary APN | 1108J-01-002.010 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 4,070 sqft Adjusted Area |
| 1st Floor Area | 2,800 sqft |
| 2nd Floor Area | 531 sqft |
| Flooring | Brick |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2007 |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 129,739 sqft (2.97 acres) |
| Deck Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 11735 RIVER ESTATES CIR |
|---|---|
| City | BILOXI |
| State | MS |
| Zip | 39532-8605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 10 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 | 10 |
| Jurisdiction | HARRISON MS |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 3407 |
Source: Harrison County records, as of June 1, 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 Record |
|---|---|
| Mailing Address | 11735 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2014 | Deed of Trust, Mortgage · Conventional Mortgage PREMIA RELOCATION MORTGAGE |
| May 8, 2013 | Deed of Trust, Mortgage HANCOCK BANK |
| Apr 7, 2023 | Warranty Deed, Transfer · Conventional Mortgage 121 FINANCIAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2023 · Amount on Record |
| Deed Sale | Apr 7, 2023 · Amount on Record |
| Prior Sale | Nov 24, 2014 · Amount on Record |
| Deed Document Number | 20231987 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 11735 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 20143281TJ2 |
|---|---|
| Date | Nov 24, 2014 |
| Instrument | 20143281TJ2 |
| Name | PREMIA RELOCATION MORTGAGE |
|---|---|
| Address | 5455 CORPORATE 303 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISON MS |
| Property Address | 11735 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 11735 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Document Number | 20131666TJ2 |
|---|---|
| Date | May 8, 2013 |
| Instrument | 2013-1666-T-J2 |
| Name | HANCOCK BANK |
|---|---|
| Address | 926 CEDAR LAKE RD, BILOXI, MS 39532 |
| Amount | Amount Recorded |
|---|---|
| Term | 238 Months |
| Due | Mar 27, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARRISON MS |
| Recording Date | Apr 7, 2023 |
| Property Address | 11735 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Document Number | 20230001987DJ2 |
| Map Reference | PB 11 PG 30 |
| Instrument Date | Apr 6, 2023 |
| Instrument | 2023-0001987-D-J2 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 102 BARBEE DR, MADISON, AL 35758-6330 |
| Name | Verified Name |
|---|---|
| Address | 11735 RIVER ESTATES CIR, BILOXI, MS 39532-8605 |
| Document Number | 20230001988TJ2 |
|---|---|
| Date | Apr 7, 2023 |
| Instrument | 2023-0001988-T-J2 |
| Name | 121 FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 5.37% |
| Max Rate At Change | 9.37% |
| Index | 1-Year CMT |
| Max Rate | 12.3% |
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 | $7,099.00 (+29.99%) | $61,591 (+96.93%) | $410,609 (+31.29%) Land $50,000 Building $360,609 |
| 2024 | $5,461.00 (+64.69%) | ||
| 2023 | $3,316.00 (-0.69%) Homeowner's exemption Disabled Person's exemption | $31,276 | $312,760 Land $50,000 Building $262,760 |
| 2022 | $3,339.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 18.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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 |
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