12457 McCully Dr, Biloxi, MS 39532 Property Records

Harrison County property record for 12457 McCully Dr, Biloxi, MS 39532

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,001 sqft · built 1935
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Oct 2026 Line of Credit Jan 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`1308A-02-004.000`

Property Details

APN / Parcel Number

Primary APN	`1308A-02-004.000`
Alternative APN	`015250`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,001 sqft Adjusted Area
Gross Area	1,664 sqft
2nd Floor Area	641 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Exterior Material	Plywood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Carport
Carport	Carport
Carport Area	520 sqft
Parking Spaces	2 Parking Spaces
Utility Building	160 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Account Number	015250
Street Address	12457 MCCULLY DR
City	BILOXI
State	MS
Zip	39532-9068
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	C-2402-08-00981-(3) 2 AC BEG 305.2 FT W & 648.8 FT S OF NE COR SEC 5 E 160.1 FT S 3 DGS W 133.2 FT S 86 DGS E 29.6 FT S 94.9
Legal Range	09
Legal Township	07
Legal Section	05
Jurisdiction	HARRISON MS
Township / Civil Division	1
Census Block Group	2
Census Block	2022
Census Tract	3405

Owner

12457 McCully Dr is owned and occupied by an individual who acquired it in March 2011.

Source: Harrison County records, as of November 5, 2025

Owner of Record	Individual Name on File
Mailing Address	12457 MCCULLY DR, BILOXI, MS 39532-9068
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Jan 16, 2019	Deed of Trust, Mortgage THE PEOPLES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2011
Deed Sale	Mar 21, 2011
Deed Document Number	2011-0000630-D-J2
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Recording Date	Oct 13, 2026
Property Address	12457 MCCULLY DR, BILOXI, MS 39532-9068
Document Number	0000006625
Instrument Date	Oct 6, 2026
Instrument	20266625
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12457 MCCULLY DR, BILOXI, MS 39532-9068

Mortgage

Document Number	0000006625,
Date	Oct 13, 2026
Instrument	20266625

Lender

Name	PEOPLES BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 6, 2031

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARRISON MS
Property Address	12457 MCCULLY DR, BILOXI, MS 39532-9068
Transaction Type	Mortgage
Record Updated	Feb 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20190000145TJ2
Date	Jan 16, 2019
Instrument	2019-0000145-T-J2

Lender

Name	THE PEOPLES BANK
Type	Bank
Address	BILOXI, MS 39533

Agreement

Amount	Amount on Record
Term	85 Months
Due	Feb 7, 2026

Tax Assessment & Valuation

Source: Harrison County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	Harrison County
Municipality	Biloxi City
Unified School District	Harrison County School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$11,470	$114,697 Land $50,425 Building $64,272
2023	$9,989	$99,884 Land $50,425 Building $49,459

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12457 McCully Dr in Zone AE, a high-risk 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	14.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 42 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	33 (2005–2026)
Claims Outside the SFHA	1 of 33
Most Recent Claim	Jun 2026 · Tropical Storm Arthur
Claims by Event	Tropical Storm Arthur, Jun 2026 · 3 claims Hurricane Ida, Aug 2021 · 11 claims Hurricane Katrina, Aug 2005 · 5 claims

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

Wildfire risk around 12457 McCully Dr is high, ranking above 74% 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 74% of the US · above 92% of Mississippi
Wildfire Likelihood	0.3% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 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
C Spire Wireless Fixed Wireless	100 / 20

May also be available: AT&T.

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